Watercraft & Boat Insurance in Yazoo City, MS

Having boat insurance is a proactive step toward safeguarding your boating adventures. It can provide financial protection following damage to your vessel, whether it’s due to accidents, storms or other unforeseen events.

How Does Boat Insurance Work?

Boat insurance functions like other types of insurance. You pay a premium to an insurance provider, who agrees to cover certain risks associated with your watercraft. These risks can include damage to your boat, liability for injuries or damage you cause to others and coverage for medical expenses in case of accidents.

When selecting a boat policy, you must consider factors such as the type of boat you own, its value, how you use it and where you store it. Different policies offer varying levels of coverage, so it’s crucial to assess your needs carefully.

What Does Boat Insurance Cover?

Boat policies generally cover some combination of the following:

• Physical damage—Also called hull insurance, this coverage can protect your boat against damage caused by accidents and may also help cover storms, theft and other hazards, depending on the policy.
• Liability—Liability coverage comes into play if you’re responsible for causing injuries or property damage to others while operating your boat. This can help pay for legal fees and medical expenses.
• Uninsured/underinsured boater— If you’re involved in an accident with another boater who lacks insurance or sufficient coverage, this aspect of your policy can help cover your expenses.
• Personal effects—This can cover personal belongings stored or transported on a boat, such as fishing gear and clothing.

It’s best to consult with an insurance agent before purchasing insurance. They can tailor a policy to your needs and provide guidance on various coverage options.

Where to Get Boat Insurance

Our third-generation, family-owned and -operated agency is committed to helping you get the right coverage at the right price. Contact Yazoo Insurance Agency today.