Boating insurance is not required by law in Ohio. But that doesn’t mean you shouldn’t be without it. A comprehensive boat insurance policy can protect you and others in many ways. If you are at fault in an accident and don’t have insurance, you would have to pay for medical bills and property damage out of your own pocket. With insurance, you can cover injuries to others and more, so you’re not on the hook financially.

There are multiple additional reasons to purchase boat insurance:

• If you finance your boat, the lender may require insurance.
• Some marinas say you must have insurance in order to dock your boat there.
• The state of Arkansas, a popular boating destination, mandates boat insurance.
• Your auto insurance may not cover damage to your boat if you are at fault in an accident while towing it.

Boats cost a lot of money these days. Would you be able to replace your boat with your own savings?

What Does Boat Insurance Cover?

Boat insurance gives you many coverage options. We recommend that our clients in Zanesville have boat insurance protection for at least these three things:

• Liability insurance for other boaters and their property
• Medical payments in case you or your passengers are injured
• Physical damage coverage for your boat and its trailer (we use an agreed value)

However, you may wish to add coverage for the following:

• Bodily injury if you are hit by an uninsured or underinsured boater
• Wreckage removal and fuel spill liability after an accident
• Personal belongings like sporting gear, clothing, and electronics
• Unattached equipment, such as lifesaving equipment and oars
• Emergency assistance if you are stranded and need a tow, gas, or a new battery

We will ask you about the navigational area for your boat (where you plan to use it) as well as how you want to structure your deductible — the small amount you pay out of pocket in the event of a claim. Usually, your premium goes down with a larger deductible and vice versa.

Independent Agents Are Best for Customized Boat Insurance

If you’ve dealt with big, impersonal insurance companies before, you know you can wind up feeling like a number to them. But when you protect your boat with independent agents, you get personalized service that makes you feel like family.

Even better, independent agents aren’t tied to any particular carriers. That gives us a much larger menu of boat insurance products for you, including Ahoy insurance. We can tailor a policy to meet your needs and give you the protection you desire. To start a policy, call Jared Reynolds Insurance at 740-588-9090, or use our easy online form.

Get a Free Boat Insurance Quote