Boat ownership opens up new borders and creates endless boundaries for fun. You can venture into areas others cannot and experience the world from a different point of view. Of course, boating also comes with risks for which you need comprehensive insurance protection. At Midwest Insurance Solutions, we can help you find coverage that minimizes your financial vulnerability so you can set sail and leave your cares behind.
Homeowners Insurance is Not Enough
Some homeowners insurance policies provide limited coverage for boats and watercraft, but it is typically better suited for a kayak than it is a motorized boat. In most cases, there are size and horsepower restrictions. Even if your watercraft falls into those parameters, the coverage for damages is usually very restrictive and may not protect you against injuries and liabilities sustained while operating your vessel.
Customizable Iowa Boat Coverage
At Midwest Insurance Solutions, we aim to provide service that is tailored to your needs. We can help you build a boat insurance policy that closes gaps in your protection and reduces your financial risk. We know that no two boats are exactly the same. Whether you have a pontoon, fishing boat, ski boat, or a personal watercraft (PWC), we have coverage solutions that are right for you.
Boat Damages
You cannot imagine your boat capsized, but even the sturdiest vessels can sink. Whether you are involved in a collision, hit a submerged object, or simply run your boat aground, make sure your policy compensates you for the damages. Physical damages claims are usually subject to the deductible you choose when you purchase your policy. In addition to protecting the watercraft itself, we also recommend talking to your agent about coverage for your boat trailer, special equipment, and personal items you bring aboard.
Towing and Assistance
You never know when you could find yourself stranded in the middle of your favorite lake. A fun day on the water can take a bad turn fast when your battery dies, or you run out of fuel. Talk to your agent about boat insurance coverage that pays for towing and on-water assistance when you need it most.
Liability
One of the most important coverages in your boat insurance policy is your liability insurance. If you injure someone or damage someone else’s property while operating your boat, you may be responsible for the damages, including medical bills and other expenses. Boater’s liability insurance can help pay the expenses you are liable for, and it can also help cover your legal fees if you are sued.
Medical Payments
When you and your passengers are injured on your boat, you need access to immediate medical care. Medical payments coverage can provide limited payment for necessary medical expenses regardless of who is at-fault for the injuries.
Boat Insurance Discounts and Quotes
We know Iowans want proper coverage at affordable prices. By shopping with an independent agent, you already get access to competitive rates on the quality protection you deserve. However, we can also search for applicable discounts you may be eligible for from your insurer. Savings may be available for boaters who:
- Complete an approved boater education and safety course
- Install automatic fire extinguishing systems
- Purchase multiple policies from the same insurer
- Maintain a claims-free record
- And more
If you are a boat owner in the greater Des Moines area, we can help you get the coverage you need. Contact our office for your free quote today. We look forward to serving you soon.
