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Boat insurance covers direct and accidental losses to your boat and trailer. This type of policy is designed to address damages and injuries caused to others due to an accident for which you are legally responsible.
Boat insurance offers coverage for a range of damages to your boat, encompassing the hull, sails, equipment, and much more. This includes benefits like new boat replacement, liability for fuel spills, and coverage to pay for damages and injuries resulting from collisions with other boats, individuals, or docks.
Similar to insuring our homes or motor vehicles, boat insurance is intended to provide financial protection in case of loss. It also offers personal protection against lawsuits and potential medical expenses if you or your boat cause damage to others.
The premium for boat insurance is determined by several factors, including: