{"id":1208,"date":"2022-05-31T06:34:41","date_gmt":"2022-05-31T06:34:41","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1208"},"modified":"2022-06-01T06:39:44","modified_gmt":"2022-06-01T06:39:44","slug":"what-does-boat-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.prontoinsurance.com\/blog\/what-does-boat-insurance-cover\/","title":{"rendered":"What Does Boat Insurance Cover? Here&#8217;s What to Know"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Your home is a big investment. You&#8217;d probably never dream of owning a house without covering it with <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/home-insurance\"><span style=\"font-weight: 400;\">the protection you need from homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\">. The same goes for other big purchases in your life, like <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/california-auto-insurance\/\"><span style=\"font-weight: 400;\">covering your car with a kind of auto insurance<\/span><\/a><span style=\"font-weight: 400;\">. What about a boat? Do you have to have insurance on a boat? <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/boat-insurance\"><span style=\"font-weight: 400;\">What does boat insurance cover?<\/span><\/a><\/p>\n<p><b>Table of Contents<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">What is Boat Insurance?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">What Does Boat Insurance Cover?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Physical Damage<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Liability Coverage<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Other Coverage<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Boat Insurance Through Pronto<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What is Boat Insurance?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Just like<\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/how-does-homeowners-insurance-in-california-work\/\"><span style=\"font-weight: 400;\"> your homeowners&#8217; insurance covers your house, <\/span><\/a><span style=\"font-weight: 400;\">and <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/auto-insurance\"><span style=\"font-weight: 400;\">your auto insurance<\/span><\/a><span style=\"font-weight: 400;\"> covers your vehicle, your boat insurance covers your boat. Boat insurance policies vary a lot in what they do and do not cover based on several considerations and unique circumstances. This includes the type of boat, the waters it will be in, your state, the number of months in a year the boat will be used, and any additional add-ons you&#8217;d like to include.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s dig into this last part.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Does Boat Insurance Cover?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Even though boat insurance policies differ, there are a few basic kinds of coverage you can expect to receive. These include:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Physical Damage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This coverage protects you financially if your boat is damaged or even a catastrophic loss caused by common risks, such as sinking, fire, storms, theft, and collision. The exact coverage can vary, but the policy will usually cover:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hull<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extra Fuel Tanks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Batteries<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anchors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Onboard Safety Equipment<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Liability Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This coverage protects you if your boat causes injury or damage to other boats, docks, or structures. The injury or damage covered by liability coverage can be due to direct contact with your boat as well as situations caused by your boat, such as <\/span><a href=\"https:\/\/www.godownsize.com\/do-boats-make-waves\/\"><span style=\"font-weight: 400;\">large waves<\/span><\/a><span style=\"font-weight: 400;\">. This protects you from covered claims and lawsuits, including payment of settlements and legal fees.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Other Coverage<\/span><\/h3>\n<p><a href=\"https:\/\/www.boatingsafetymag.com\/boatingsafety\/top-11-causes-boating-accidents\"><span style=\"font-weight: 400;\">Accidents happen on boats<\/span><\/a><span style=\"font-weight: 400;\"> just like in cars. Your insurer may offer additional kinds of coverage to go with your basic boat insurance. A boat insurance policy may provide medical payments coverage for covered injuries to you or your guests riding along. This medical payments coverage may help pay for resulting expenses such as hospital bills, medications, X-rays, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additional coverage includes things like fuel spill, wreckage removal, and roadside assistance. There&#8217;s even a total loss replacement if your boat sinks to the bottom of the ocean!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Boat Insurance Through Pronto<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">What does boat insurance cover? Everything you need it to! Pronto Insurance offers boat insurance with flexible options to fit your budget and needs. Don&#8217;t get out onto the water without it!<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your home is a big investment. You&#8217;d probably never dream of owning a house without covering it with the protection you need from homeowners insurance. The same goes for other big purchases in your life, like covering your car with a kind of auto insurance. What about a boat? Do you have to have insurance &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.prontoinsurance.com\/blog\/what-does-boat-insurance-cover\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What Does Boat Insurance Cover? Here&#8217;s What to Know&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1209,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[26],"tags":[],"jetpack_featured_media_url":"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/06\/What-Does-Boat-Insurance-Cover.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Does Boat Insurance Cover?<\/title>\n<meta name=\"description\" content=\"If you own a boat, you probably wonder what coverage you need. Do you have to have insurance on a boat? What does boat insurance cover?\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.prontoinsurance.com\/blog\/what-does-boat-insurance-cover\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#website\",\"url\":\"https:\/\/www.prontoinsurance.com\/blog\/\",\"name\":\"PRONTO Blog\",\"description\":\"It&#039;s our name and our promise.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.prontoinsurance.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/what-does-boat-insurance-cover\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/06\/What-Does-Boat-Insurance-Cover.jpg\",\"width\":1000,\"height\":667},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/what-does-boat-insurance-cover\/#webpage\",\"url\":\"http:\/\/www.prontoinsurance.com\/blog\/what-does-boat-insurance-cover\/\",\"name\":\"What Does Boat Insurance Cover?\",\"isPartOf\":{\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/what-does-boat-insurance-cover\/#primaryimage\"},\"datePublished\":\"2022-05-31T06:34:41+00:00\",\"dateModified\":\"2022-06-01T06:39:44+00:00\",\"author\":{\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#\/schema\/person\/090429501a955cfc4a99853e60d7342a\"},\"description\":\"If you own a boat, you probably wonder what coverage you need. Do you have to have insurance on a boat? What does boat insurance cover?\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\/\/www.prontoinsurance.com\/blog\/what-does-boat-insurance-cover\/\"]}]},{\"@type\":[\"Person\"],\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#\/schema\/person\/090429501a955cfc4a99853e60d7342a\",\"name\":\"Tony Soares\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1d7382dbcef64316e36596e07e931f5c?s=96&d=blank&r=g\",\"caption\":\"Tony Soares\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1208"}],"collection":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=1208"}],"version-history":[{"count":1,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1208\/revisions"}],"predecessor-version":[{"id":1210,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1208\/revisions\/1210"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media\/1209"}],"wp:attachment":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=1208"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=1208"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=1208"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}