What to Know About Illinois Boat Insurance
Watercraft Liability Insurance
The boat(s) listed on your policy declarations or any boat you replace it with.
Any boat you operate while yours is being repaired due to an accident.
Any boat similar to yours you rent or borrow.
Damages and Injury.
If you are responsible for property damage due to an accidental fuel spill, watercraft liability coverage can help for damages.
If you injure someone in an accident, watercraft liability coverage can help protect you from losing your savings or home to pay for those damages.
If you damage another parson’s boat or other property in an accident, watercraft liability coverage can help protect you from paying for those damages.
You, the policy owner
Any resident in your home
Anyone you give permission to use your watercraft (consult your policy and confirm with your agent)
Uninsured Watercraft Coverage
Helps pay for injuries you, your family or anyone on your boat sustain due to an accident with an uninsured boater
If you are hurt in a boating accident by a boat operator with little or no insurance, and you have uninsured watercraft coverage, your coverage will help pay for medical expenses
Watercraft Medical Payments Coverage
If you’re injured in a boating accident, your coverage can help pay for medical services
Your coverage may include hospital bills, surgeries, X-rays, dental care, pharmaceuticals, nursing services and more due to an injury from a boating accident
Your Property Coverage
Helps pay for damage to your boat if you’re involved in an accident with another boat or another object, such as a pier, buoy, dock or debris, or if someone hits your docked boat
It also typically pays for damage or loss to your boat caused by something other than a collision, such as theft, fire, vandalism, windstorm or hitting an animal
If your boat is in an accident, proper Illinois boat insurance coverage can help pay for the repair or replacement of your boat
Other Illinois Boat Insurance Coverage Options
Personal effects coverage
Emergency services coverage
Additional boat equipment coverage
Boat trailer coverage
Repair cost endorsement coverage
Boating Safety Tips
Learn to swim to increase water safety
Don’t drink and boat
Use Coast Guard-approved life jackets
Have a float plan
Enroll in a professional boating course
Pay attention to changes in the weather
Call Snyder Insurance today to get an Illinois boat insurance quote that best suits your needs.