Boat Insurance in Ketchum, ID
Also proudly serving Sun Valley, Bellevue, and Twin Falls.
A boat insurance policy can provide coverage for you and your boat should something unexpected happen—whether it’s on the water or stored for winter. The policy can include coverage for damage to your boat or its equipment as well as injuries to people and damage to property or other boats.
How Does Boat Insurance Work?
Boat insurance works like a contract, similar to most insurance policies. Your insurance carrier will provide funds following an accident in exchange for an insurance premium. Common accidents in which your insurer will help you out might include collisions or injuries. You will usually be required to pay a deductible for your policy, which is a specific cost you’ll cover until your insurance helps you out.
What Does Boat Insurance Cover?
Boat insurance policies vary among boat owners. However, a typical boat insurance policy might include some of the following coverages:
- Liability coverage—This helps cover expenses if your boat causes damage to another person’s property.
- Medical payments coverage—This helps cover medical expenses if you or a passenger gets injured on your boat.
- Boat insurance property coverage—This helps protect your boat from various risks and potential incidents by covering costs related to theft or vandalism.
- Uninsured watercraft coverage—This helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.
To learn more about coverages to include in your boat insurance policy, contact Tim Jeneson Insurance with any questions or concerns.
Is Boat Insurance Worth Getting?
Every boat owner should consider boat insurance. A boat insurance policy can provide coverage for you and your boat should something unexpected happen, whether you are on the water or your boat is stored for winter. Without insurance, you could get stuck paying for the full cost of repairs to your boat (or someone else’s), legal costs or even someone else’s medical bills.
Contact Us Today
If you’re a boat owner near Ketchum, Idaho, the agents at Tim Jeneson Insurance can help you learn more about boat insurance policies so you can decide on the right coverage for you and your boat.
Contact us today at 208-726-9104 to learn more.