Boat/Watercraft
Insurance
In Nebraska
Warm weather means more fun, and one way to enjoy your summer is by investing in a boat. But whether you have a fishing, sailing, or cruising boat, don’t forget about boat insurance from Guardian Insurance of Omaha, NE. Watercraft insurance is a sure way to protect your finances when bad things happen inside and outside the water.
Boat insurance coverage options
If you are familiar with car insurance, boat insurance isn’t that different. Watercraft insurance has policies similar to your car insurance, so navigating this coverage shouldn’t be a hassle. Here are the common boat insurance policies:
- Liability coverage: It’s one of the most essential boat policies. Liability coverage protects you when accused of causing bodily injury or property damage to other people. Besides, it safeguards you when sued by covering legal charges, including attorney fees and settlement claims.
- Collision coverage: This policy covers the physical damage to your vessel after colliding with another boat or stationary object.
- Comprehensive coverage: This policy covers your boat after damage or loss by a non-collision peril like fire, falling objects, theft, or vandalism. If your boat is financed by a lender, they are likely to insist you invest in comprehensive and collision coverage.
- Medical Payments: It covers medical expenses when involved in an accident. This policy extends to cover passengers, and it doesn’t matter who was at fault for the accident.
- Uninsured/underinsured motorist coverage: It covers you in hit-and-run scenarios or when hit by a boater with no or insufficient coverage.
- Personal items coverage: This policy covers your stuff, including clothing and fishing gear, when damaged or stolen while on your boat.
Nebraska doesn’t require boaters to purchase boat insurance, but this doesn’t mean you shouldn’t buy coverage. Just like health insurance, boat insurance isn’t mandatory, but it’s worth the investment if you want to protect yourself, the boat, and the passengers.
Protect your boat with boat insurance
Want to purchase boat insurance in Nebraska, Iowa, South Dakota, Arizona, Florida, Missouri, Kansas, or Colorado? Please get in touch with Guardian Insurance in Omaha, NE for comprehensive yet affordable coverage.
