Watercraft & Boat Insurance in Columbus, GA
Having a boat or watercraft is pure joy, but unexpected mishaps can quickly sink your plans. A watercraft and boat insurance may protect your investment against accidents, theft and damages.
What Does Boat Insurance Cover?
Boat insurance may cover physical damage caused by accidents or natural disasters. It can also help pay for liability claims due to bodily harm or property damage. A standard policy may provide the following protections:
- Comprehensive coverage may cover damage caused by non-collision events such as fire, theft, certain weather events and vandalism.
- Collision coverage may help pay for repair costs if your boat or watercraft hits a dock, an object or another watercraft.
- Liability coverage may be helpful if you’re deemed liable for third-party bodily injury or property damage:
- Bodily injury liability coverage may pay for medical expenses and other losses if a third party is injured due to a boating accident for which you were responsible.
- Property damage liability coverage may pay for your legal expenses and the affected parties’ losses if you’re deemed liable for damaging someone else’s property.
Is Boat and Watercraft Insurance Required?
Georgia does not require boat and watercraft insurance. However, some marinas may ask for a proof of policy. Lenders may also require a proof of policy if you’re financing your vehicle. Even if it’s not required, securing adequate coverage for your boat and watercraft may be a good idea.
Where to Get Boat and Watercraft Insurance
Contact Kite Insurance Agency to learn more or request a personalized quote.