New Hampshire Boat Insurance in Meredith, Laconia and Gilford NH
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Bundle & Save on Your Insurance Policies When You Buy Boat Insurance!
If you already have insurance for your house or car, ask about our multi-policy discounts. You could save some money by bundling your boat insurance with them.
How New Hampshire Boat Insurance Works
A small boat, such as a canoe or other un-motorized boat, is typically covered under the personal property portion of your homeowners insurance policy. If you own a larger, faster boat, you’ll need a separate boat owners insurance policy. A typical NH boat insurance policy is designed to protect your boat, motor, equipment and passengers. It affords similar coverages to those you typically have for your car including:
According to the U.S. Coast Guard, each boating accident in 2010 resulted in an average of $7,602 worth of property damage. Physical damage coverage insures your boat, motor, boat trailer, boat equipment (anchors, oars, fuel tanks, life jackets, dinghies, tools, etc.) and other personal property against theft, accidental loss or
Liability (Two principal liability coverages are included):
o Personal Liability – A boatowners insurance policy provides protection for legal liability and pays, up to the limit of your policy, the legal obligations imposed upon you due to an accident resulting from the
ownership, maintenance, or use of your watercraft, including bodily injury, property damage and legal defense.
o Medical Payments– This pays medical expenses, up to the limits in the policy, including the insured’s boating-related medical expenses from an accident arising out of the ownership, maintenance or use of the boat.
For added protection, consider the following additional coverage options:
Reasonable Repairs: Covers repairs incurred to protect covered property from further damage.
Emergency Service: Pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.
Wreck Removal: Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law.
coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy. © 2008, 2011, 2013, 2016 Zywave, Inc. All rights reserved.