Boat Insurance
Boat Insurance
Great Boat Insurance Rates

When you’re out on your boat, it’s good to know you’re insured with Linares Insurance. You are always at risk of an accident when you own a boat. Boat insurance provides coverage for many risks when operating your boat, the motor and the trailer. Car insurance is not enough to protect you if you are in an accident driving down the highway with your boat trailer hitched to the back. You need boat insurance to cover what car insurance does not. Boat insurance provides you with protection in case of medical payments or liability lawsuits. Call Linares Insurance today, to speak with one of our agents. They can offer you an insurance package that covers risk and property, as well as boat liability and medical payments coverage.

Boat Risk Coverage

When you own a boat or personal watercraft, you are faced with many opportunities to incur a loss. Your boat could sink or catch fire while docked at a marina. It could be stolen or ruined by a storm. Out on the water there are risks, too. Your boat could capsize, get stranded or collide with another boat or watercraft, possibly causing an explosion. It’s hard to think about these risks when all you want to do is have fun and entertain guests! Linares provides the boat insurance coverage for almost any kind of risk, so you can relax.

Boat Property Coverage

Linares Insurance strongly recommends property coverage. Property coverage insures the equipment permanently attached to your boat, as well as anchors and oars, tools, detachable canopies, seat cushions, life preservers, skis and tow ropes, dinghies, fuel tanks and trolling motors.

Boat Liability Coverage

Liability coverage protects you if you cause injury to someone, or damage his or her property. It provides protection for legal responsibility in accidents resulting from the ownership, maintenance, or use of your boat. Coverage includes bodily injury and property damage, and your legal defense costs.

Boat Medical Payments Coverage

Medical payments coverage is essential. You know how expensive medical costs are today. This coverage indemnifies you against medical expenses from an accident caused by ownership, maintenance, or use of your watercraft. Medical expenses will be paid for you, your resident family members, and any passengers on your boat, up to the limits of your policy.

Is My Watercraft Covered?

As you probably already know, there are as many types and models of boats and watercraft as there are autos on the highway! There are boats for every imaginable on-the-water activity including fishing, rowing, waterskiing, sailing and partying. Linares covers most boats and watercrafts you can think of, including bow riders, center consoles, cuddy cabins, walk arounds, ski boats, pontoons, jet boats, sail boats and fishing boats. Personal watercrafts are also covered. Also known by the brand names WaveRunner, Jet Ski or Sea Doo, the powerful, quick-moving watercraft is ridden like a jet-powered motorcycle. Personal watercrafts are prone to accidents due to their speed and easy maneuverability. Make sure yours is fully insured.

Give Linares Insurance a call. Whatever your boat or watercraft insurance needs, our agents are here to craft an insurance package especially for you.
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