illinois boat insurance quote
Jacob Dybala March 28, 2016 No Comments


What to Know About Illinois Boat Insurance

illinois boat insurance quoteWhich boats are typically covered with 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.

Who’s Covered?

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.