Available Coverages for your Boat & PWC
Liability Coverage
Not only is this the law, but its the most commonly asked about insurance in the States. This coverage pays for bodily injury and property damage that you may cause to others in the event of an accident; you and your boat or PWC are not protected by liability coverage. Depending on the laws of the state you live in and the company you choose to insure with, guest passenger liability may be a viable option for you as well. This liability option protects your passenger in the event of an accident. For Marine, Boat or Personal Water Craft Liability Insurance call us now.
Medical Payments
One of the most important parts of your boat insurance policy is boat 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. By partnering with RV America, you’ll be sure to find medical payments coverage that matches your budget.
In some states medical payments insurance is mandatory. So you may need to consider adding this form of coverage as well as our other available options, including increased liability limits, uninsured watercraft, accessory coverage, and on-water towing.
On-Water & Roadside Towing
There are more than a few types of incidents that can occur out on the water that will render your boat damaged and/or incapacitated. In these eventualities, it is vital to be covered by comprehensive, affordable on-water towing services. The best way to avoid costly towing expenses from the water or roadside is to be sure that you have extensive towing coverage within your policy from RV America.
The cost of towing coverage within your policy will be affected by the size of your boat and the distance and/or dollar amount to be covered in towing. Since towing services aren’t usually part of a standard or basic policy, it’s important to know what type of coverage you'll need.
Personal Effects / Fishing Equipment
Do you have coverage that will protect your personal effects from theft or damage? Could you afford to replace your fishing tackle and other personal items if they were stolen? RV America offers the personal effects coverage and fishing tackle insurance that most household policies do not cover. If you are looking for fishing equipment coverage, then you have come to the right place.
Personal effects insurance and fishing equipment insurance provides peace of mind for the damage or loss of items that aren’t customarily needed for the normal operation of your boat, including portable televisions, cell phones, radios, stereos and cameras, among other property. Such policy options also cover fishing equipment which can be expensive and difficult to replace.
Total Loss Replacement
Unfortunately, fires, inclement weather, and other types of accidents are a reality that you have to consider when you are a boat owner. One way to protect your investment from the effects of depreciation in such instances is to procure Total Loss Replacement Coverage through your insurance policy. This type of coverage buys you a brand-new boat when the damage is so severe and extensive that the costs involved in repairing the vessel would exceed the value of the boat. RV America is your one-stop insurance shop when you are ready to ensure that total replacement is part of your insurance policy.
Uninsured Boater
Although some states do not require uninsured boaters coverage, it is a very important coverage option to have. This type of coverage provides additional medical coverage for injuries resulting from a collision caused by a hit-and-run or uninsured boater. This option provides payment for bodily injury caused by another boater who does not have liability insurance. RV America can help you settle on the liability options and amounts you would like to add to your policy.
Uninsured boater coverage is a great way to ensure that both you and your passengers are protected from financial loss if hit by an uninsured boater. We’ll team with you to develop a policy that matches your budget, while including all the options that you need.
