Boat Insurance in Harrisburg
If you’re a boat owner, you know the importance of keeping yourself, your boat and your passengers safe. A reliable boat insurance plan is essential to ensure maximum protection on the water. At Strock Insurance, we help you find the best boat insurance policies for your unique needs.
What Do Boat Insurance Policies Cover?
When something unexpected happens to your boat, your insurance policy can provide essential coverage, such as:
Property Coverage
A boat insurance policy can help you cover repair or replacement costs if your boat or boating equipment is damaged or stolen. Whether your boat is hit by another boat, vandalized or struck by an object, your property coverage insurance protects your investment. This coverage applies whether the incident occurred in the water or on land.
Liability Coverage
Liability coverage provides protection when a boating incident causes injury to another person. It also applies if the accident damages another person’s property, such as their boat or dock.
Medical Costs Coverage
If you, your passengers or others are injured in an accident involving your boat, boat insurance can help you pay for medical expenses like hospital stays, X-rays and medications.
Uninsured Watercraft Coverage
Some boaters don’t have proper boating insurance coverage. If you collide with an uninsured boater, your boating policy will help cover the resulting expenses.
Additional Coverage
Some policies have options for extra coverage, such as:
- Emergency services: This includes emergency towing when your boat is stranded on the water.
- Personal effects: This covers certain personal items on the boat, such as fishing gear or clothing.
- Fire extinguisher: If you use your fire extinguisher to put out a fire, you may receive coverage for a fire extinguisher recharge or replacement.
What Types of Boats Can Be Insured?
The right insurance policy for your boat depends on its size, age and type. We provide coverage for all types of water vehicles, including:
- Sailboats.
- Houseboats.
- Powerboats.
- Inboard and outboard motorboats.
- Personal watercraft, such as Jet Skis and WaveRunners.
What Are the Benefits of Boat Insurance?
There are many reasons to consider boat insurance, including:
- Cost savings: Covering the cost of property damage and injuries caused by a boating accident can be expensive. Boat insurance prevents you from spending large sums of money on repairs and medical bills.
- Full coverage: While homeowners insurance may offer a small amount of boat coverage, you need a specific boat insurance policy for full protection.
- Total loss protection: If your boat sinks or can’t be repaired, it becomes a total loss. Many insurance plans include a total loss replacement policy to get you back on the water sooner.
Contact Strock Insurance for Boat Insurance Coverage in Central Pennsylvania
At Strock insurance, we help boat owners find comprehensive insurance policies at low rates. We are an award-winning, local insurance agency committed to helping customers in and around Harrisburg, PA, secure the best insurance coverage. Contact us today to learn more and request a personalized boat insurance quote.