Choosing the right type of insurance is not only a factor of the size, classification, and value of the craft, but it’s also a matter of the water you’ll navigate—e.g., the open sea or a private lake.
Possibly, your standard homeowner or renter insurance policy covers certain small craft, such as canoes and powerboats with a maximum 25-mph horsepower. The amount would include the boat, motor, and trailer combined. Liability coverage, while not typically part of an ordinary policy, can be added to the homeowners insurance as an endorsement.
Boats that are larger and faster, as well as Jet Skis and other personal watercraft [link to that section], would require a separate policy.
Typically, boat insurance policies cover physical damage to the vessel itself, other property damage, theft, and medical payments. Optional coverage would be available for trailers and boat accessories. Little details can be significant. A lower premium might appear a better value but end up costing more if you endure a loss that the policy doesn’t cover.
Although boat insurance will often offer broader liability protection than what you can obtain through your homeowner policy, an umbrella liability policy might be prudent.
While helping you evaluate the value of your assets that could be at risk, we also search for value. If you own more than one boat, for instance, you might qualify for a multi-boat discount.
Navigating your boat on a dark, stormy night might seem more straightforward than choosing a boat insurance policy. From conducting a customized assessment of your situation, Siegel Insurance strives to simplify matters. Notably, our obligation is to you. As independent agents, we can present options from a variety of reputable carriers that address your personal needs.
We encourage you to contact us for answers to any of your specific questions.
In the insurance world, personal watercraft describes a category of exceptionally fun yet high-risk water toys. Jet Skis, Sea-Doos, and WaveRunners are among the popular brands. Importantly, even if your homeowner policy covers small boats, it will probably not cover your watercraft. Personal watercraft (PWC) insurance is specific to such vessels in the following ways:
Beyond the basics, insurers also offer coverage for trailers and other accessories. Siegel Insurance can help you evaluate alternatives and potential opportunities, such as qualifying for a multi-boat discount.
We take a customized approach because our obligation is to you. Also, as independent agents, we can present options from a variety of reputable carriers that address your personal needs.
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To obtain access to or seek to correct, amend, or delete any of your personal information, or to address any other questions or concerns about Siegel Insurance Inc.’s personal data policies and practices, please submit a request in writing to the following:
Sheila Bauer, Siegel Insurance Inc., 2987 Clairmont Road NE, Suite 425, Atlanta, GA 30329.
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The Americans with Disabilities Act (ADA) is a federal civil rights law that applies to people with disabilities and protects them from discrimination. The Equal Employment Opportunity Commission (EEOC), a Federal government agency, enforces the sections of the ADA that prohibit employment discrimination. This Guide explains these ADA employment rules for the food service industry.