Boat/Watercraft Insurance in Georgia

Boats and watercraft are a great way to bring fun, family-oriented recreation to your family, however, understanding boat and watercraft insurance is essential to your complete enjoyment of your boat or watercraft.

Is My Boat Covered Under My Home Owner’s Insurance?

Although homeowner’s insurance does cover personal belongings, you should be aware that certain boats and watercraft will not fall under this category. Canoes and small boats will often fall under your homeowner’s policy. Larger boats and watercraft with a substantial engine will require its own insurance policy.

What is Considered a Water Craft?

Boats with motors, sailboats, pontoon boats, paddle boats, and jet skis can all qualify as watercraft. Insurance policies defer from state to state. Contacting Wichalonis Insurance Agency serving Cumming GA is a great way to find out the laws for watercraft insurance in Georgia.

What is Covered Under Water Craft Insurance?

In most cases, watercraft insurance will cover damage to the vessel, towing to remove the vessel, and in some cases even fuel spill indemnification. Most importantly, watercraft insurance will protect the owner of the craft against liability if someone is injured on your craft or because of your craft.

What About House Boats?

Houseboats or boats that are used for residential purposes, often have need of special insurance coverage. If you live on your craft, you will want to make sure that your vessel is sufficiently insured so has to protect your investment as well as your personal belongings that are aboard the vessel.

What is At Risk Without Water Craft Insurance?

Without watercraft insurance, you run the risk of breaking the laws of your state, as well as losing the investment you have made into your watercraft. In addition to these risks, there is also the risk of being held liable if someone is injured.

If you would like to learn more about watercraft insurance, please contact our friendly staff at Wichalonis Insurance Agency serving Cumming, GA and surrounding areas.