Call Us 303.960.5290 ☰ ˟
  • Home
  • Personal Insurance
    • Car Insurance
    • Classic Car Insurance
    • Homeowners Insurance
    • High Value Homeowners Insurance
    • Condo/Townhome Insurance
    • Renters Insurance
    • Rental Property Insurance
    • Flood Insurance
    • Umbrella/Excess Liability Insurance
    • Builders Risk
    • Motorcycle Insurance
    • Recreational Vehicle Insurance
    • Boat and Watercraft Insurance
  • Commercial Insurance
    • Business Owners Package (BOP) Insurance
    • General Liability
    • Commercial Property Insurance
    • Commercial/Business Auto Insurance
    • Umbrella/Excess Liability Insurance
    • HOA/Homeowner Association Insurance
    • Cyber Liability/Data Breach Insurance
    • Directors & Officer Insurance
    • Apartment Building Insurance
    • Restaurant Insurance
    • DayCare Center Insurance
    • Flood Insurance - Business
    • Liquor Liability
    • Farm Insurance
    • Workers Compensation
    • Surety Bonds
  • Make A Payment
  • Blog
  • Resources
    • How Insurance works
    • 10 Steps to Starting a Small Business in Colorado
    • Insurance Glossary
    • Frequently Asked Questions
    • Why Choose a Broker
    • Privacy Policy
    • Calculators
  • About Us
    • Service You Can Expect | Denver West Insurance Brokers
    • Location
    • Testimonials
    • Contact Us
Logo (303) 960-5290


Home > Watercraft & Boat Insurance Home

Watercraft & Boat Insurance


Watercraft & Boat Insurance Information

Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

Why Independent Agent?:

Because independent insurance agencies, like Denver West Insurance Brokers, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Denver and surrounding metro community, and we’re committed to doing business face-to-face and being your advocate in times of need.
Continue Reading


Logo
A Member of Alliance Ins Group
722 Washington Ave #C205
Golden, CO 80401

Ph: 303.960.5290
Fx: 303.988.8390
Logo
A Member of Alliance Ins Group
620 E. Main St.
Frisco, CO 80443

Ph: 970-930-2200
Fx: 303-988-8390


Social Social Social
Home Blog About Us Meet Us Contact Us

Powered by Insurance Website Builder