Watercraft & Boat Insurance in Pittsburg, PA
Whether you’re taking a fishing boat out at sunrise or cruising the lake on a weekend afternoon, your time on the water comes with its own set of risks. Watercraft and boat insurance can offer financial protection built around how boats are used, stored and exposed to potential losses.
What Does a Policy Cover?
A standard boat and watercraft policy can offer coverage for the following:
- Damage to the hull, motor and attached equipment caused by fire, natural disasters, theft or vandalism
- Damage caused by colliding with a dock or another vessel
- Medical expenses for you and your passengers after an accident, regardless of fault
- Your losses if you’re hit by an at-fault boater with little or no liability coverage
- Towing assistance if your boat breaks down on the water
Coverage can typically be written on an agreed value or actual cash value basis, depending on your carrier’s available policy options.
Why Pennsylvania Boaters Need Specialized Coverage
Homeowners policies may extend limited coverage to small watercraft, often with low limits and generally exclude vessels with greater horsepower. A collision, a passenger injury, or a fire at the marina can generate costs that far exceed what a homeowners policy will pay. Boating incidents can also produce liability exposure that follows you well beyond the water. With these things in mind, a dedicated boat insurance policy is highly advisable.
Pennsylvania does not require boat insurance by law, though lenders and many marinas do require proof of coverage as a condition of financing or docking. Even if such mandates do not apply to you, securing a suitable policy may be integral to managing the financial consequences of a boating accident or other incident.
Get the Right Boat Insurance
Contact Mcllarth Insurance Agency to review your current coverage and find a watercraft policy that fits your vessel, your budget and boating habits.