Why Buy Boat Insurance?

Items like homes and cars are insured on standardized insurance forms, so coverages are basically the same regardless of the company. However, with boats there are no standard insurance forms. Individual carriers develop their own policy that results in coverages which vary widely. Additionally, some carriers understand boats and boat insurance better than others. The best choice for you is to insure your boat with a company like U.S. Insurance Services that specializes in boat insurance and knows the needs of those who operate them.

Boat Coverages

• Physical Damage Coverage- Covers damage to your boat. We provide coverage such as Replacement Cost (for boats less than two years old) or Agreed Value coverage (for boats less than ten years old) and market value (actual cash value) for older boats.
• Liability Coverage- You can be held liable for injuries that happen to others while you are boating. We will pay for damages for bodily injury or property damage for which any insured person becomes liable through the ownership, maintenance or use of the insured watercraft.
• Medical Payments- Pays medical bills resulting from an accident that happens as a result of operating your boat.
• Trailer Coverage- An optional coverage that protects the trailer you use to tow your boat.
• Uninsured Boatowners- Protects you when another boater collides with the boat you are operating and that boater is not properly insured.
• Personal Effects Coverage- We offer both Replacement Cost coverage or market value (actual cash value) coverage for personal belongings stored inside the boat that are lost, stolen or damaged.
• Towing- Protects you if your boat breaks down on the water.

Additional Benefits

• Coverage in U.S. and Canadian Waters- Your boat is covered whenever you operate it on U.S. and Canadian waters.
• No Required Lay Up Period- Many companies require a lay up period for winter months. Our policy allows you to use your boat for a longer period of time during the year.
• Convenient Payment Options- We offer flexible ways to pay for your premium. Pay in full or with 25% down you can make 4, 6 or 8 installments. We also take Visa or Mastercard.