Do I need watercraft insurance to use a marina?

Watercraft insurance isn’t required in every state. The state of Idaho doesn’t require boat owners to carry watercraft insurance. However, you may still be required to carry it in some situations. Our team at Infinity Insurance Group is here to help Post Falls, ID residents navigate watercraft insurance and get the coverage they need. 

What is watercraft insurance?

Watercraft insurance includes insurance coverage for boats, yachts, and personal watercraft with motors with horsepower that meets or exceeds 25 mph. This insurance is designed to provide coverage for accidents that result in injuries to others, as well as coverage for damage you cause to other people’s property. This insurance also provides coverage for you if you are hurt or your watercraft is damaged by someone without insurance. You receive both liability protection and protection for yourself and your watercraft if an uninsured person damages your boat. 

Do I need watercraft insurance to use a marina?

Although watercraft insurance isn’t a legal requirement, it may be required to use certain marinas. Many watercraft owners would be unprepared to pay for damage to someone else’s watercraft or bodily injuries to others caused by an accident where you’re at fault. As a result, many marinas require boat owners to carry watercraft insurance to cover any bodily injuries or damage to their marina and other watercraft. Although watercraft insurance mayn’t be a state requirement, it may be required in different situations, including docking and using marinas and watercraft owners with boat loans. Lenders usually require watercraft insurance for watercraft owners who are financing their watercraft. If you have questions regarding watercraft insurance, we’d happily answer them. Call us.