Watercraft and Boatowner Protection
Depend on Widener Insurance to protect you and your boat against loss.Coverage that will help you stay afloat!
It Covers:
- Liability and Medical Payments to Others - pays for bodily injury or property damage for which you are liable.
- Physical Damage Coverage - pays for damage to your boat, motor and trailer.
- Equipment and Accessories Coverage - pays for losses to equipment used with your boat, such as anchors, oars, water skis, towropes, fishing tackle, life preservers, portable lights, deck chairs and extra propellers.
- Wreck-Removal Coverage - pays up to 10% of the physical damage limit of liability shown under the boat description of scheduled property.
- Emergency Service Coverage - will pay up to $500 for emergency towing and assistance for your boat, outboard motor and boat trailer.
- Personal Effects Coverage - will pay for accidental loss of your personal items while used in connection with your boat.
- Uninsured Watercraft Coverage - will pay for bodily injury damages you are legally entitled to recover from the owner or operator of an uninsured watercraft.
- Medical Payments - will pay for accidental boating injuries sustained by you or your family members.
- Loan Gap Coverage - In the event of a total loss to your boat, payment will be either the outstanding loan amount due or the actual cash value of the boat, whichever is greater.
- Boatowner Plus Endorsement - includes replacement cost, emergency service, personal effects and uninsured watercraft property-damaged deductible waiver.
- Loss-Free Discount - reduces your premium if you have been loss-free for the past 3 years.
- Multi-Policy Discount - reduces your boatowner policy premium when you also insure your home and personal automobile with the same company.
- Safety Course Discount - reduces premiums for boatowners who complete Power Squadron or U.S. Coast Guard courses.
- Safety Device Discount - reduces your physical damage premium for fire-extinguishing systems, fume detectors, depth finders and other safety devices installed on your boat.