Boat insurance can cover you and your boat or personal watercraft in case you harm somebody or another person’s property with your boat. Your boat insurance will still cover theft, weather damage, and any other hazards while it’s being stored. In addition, you won’t have to worry about reactivating your policy once you’re ready to get your boat or personal watercraft back out on the water.
Let’s look at the coverage under boat insurance:
Medical Payments Coverage 
Property inclusion safeguards the boat against robbery and harm because of a mishap or sinking. The inclusion generally applies to the boat whether it’s ashore or on water.
Liability Insurance for Boats
Liability insurance will help you if you are legally responsible for damages to property or injury to someone other than yourself or a family member. Boat Insurance liability provides protection if you are sued as a result of hitting another boat, or if someone is hurt onboard your watercraft due to negligence on your part. This coverage is usually offered in increments of $100,000 up to $1 million.
Medical Payments Coverage
One of the most important parts of your boat insurance policy is medical payments coverage. Medical payments insurance protects both yourself and your passengers, regardless of who is at fault for an incident that results in bodily injury or even death. The insurance carrier will reimburse the insured and others up to a predetermined limit level for medical expenses.
Uninsured Boater Coverage
If an uninsured boater strikes your boat, uninsured boater coverage takes care of your hospital expenses. Uninsured boater coverage is designed to compensate you for injuries to persons aboard your boat that are caused by an operator of another boat who has no liability insurance. If you are legally entitled to recover damages from the other uninsured boater, or if you or your guests on your boat are the victims of a hit-and-run boater who cannot be identified, this coverage can help ease the financial impact of those injuries.
As an Independent Insurance Agency, Hughes Associates, Inc can reach further to find the right solution for you. We aren’t tied to one insurance carrier or limited to only one company’s insurance products. Being an independent insurance agency means we can provide options from the nation’s most respected insurance providers. We analyze your needs and turn to our vast network of carriers to find the BEST available option for you. You always get solid coverage at a competitive rate with Hughes Associates, Inc. Contact us if you live near Queens, NY, College Point, Arverne, Woodhaven, NY, Breezy Point, or Richmond Hill, NY areas.
