What kinds of watercraft can be covered with boat insurance?

If you live in Post Falls, ID and love spending time on the water, you’re not alone. Idaho is home to some of the most beautiful lakes and rivers in the country, which makes it a popular destination for boaters of all stripes. But before you can enjoy yourself out on the open water, Infinity Insurance Group encourages you to make sure you have the proper insurance coverage in place.

What Types of Watercraft Are Covered?

In Idaho, boat insurance typically covers any type of motorized vessel that can be used for recreation or transportation purposes. This includes everything from small personal watercraft like Jet Skis and Sea-Doos to larger boats like pontoon boats, fishing boats, and even yachts. Basically, if it floats and has a motor, there’s a good chance it can be covered by boat insurance.

What Does Boat Insurance Cover?

Most boat insurance policies provide some combination of property damage coverage, liability coverage, and medical payment coverage. Property damage coverage will protect your boat (and any attached accessories) in case of an accident or other covered event (like theft). Liability coverage will protect you financially if you’re found responsible for damage or injuries caused by your boat. And medical payment coverage will help cover the cost of treatment for anyone who is injured while on board your vessel.

Questions? Contact Infinity Insurance Group

Post Falls, ID is a great place to live if you are a boating enthusiast. But before you hit the water, it’s important to make sure you have adequate boat insurance coverage in place. In Idaho, most types of motorized watercraft are eligible for boat insurance coverage, including property damage protection, liability protection, and medical payment coverage.