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Boat/Watercraft Insurance

Boat/Watercraft Insurance

Most boats are susceptible to damage and vandalism when they are far from the coastline. If your watercraft gets damaged, it might compromise your safety. When purchasing boat insurance, it is prudent to inquire about its navigation area. United Integrity Property & Casualty Agency offers protection to different watercraft in Pennsylvania.

Boat Insurance Options

Agreed Value Insurance

Just like vehicles, boats depreciate over time.it is tricky to replace a destroyed or stolen boat using an actual cash value insurance. If your boat is completely damaged, the agreed value coverage compensates you up to the policy limit. However, it excludes the deductible amount.

Personal Liability Insurance

Personal liability coverage protects you if you collide with another sailor. If you injure another person, it pays for their medical expenses and lost wages. Also, the policy pays the replacement or repair costs if you damage the property of another person.

Medical Payments Coverage

Your passengers may sustain serious injuries after your boat collides with another sailor. Medical payments insurance covers their medical bills even if you are at fault.

Physical Damage Insurance

United Integrity Property Agency pays the replacement and repair costs of your boat and other attached equipment if they get damaged or stolen. It covers it against fire, theft, and vandalism.

Uninsured and Underinsured Watercraft Bodily Injury

An uninsured boater may hit and injure you severely. The bodily injury policy pays for your lost wages and medical expenses.

Wreckage Removal and Fuel Spill Liability

All boat owners in Pennsylvania are required to clean up oil spills if their boats sink or get damaged. Generally, it is a time-consuming process. However, a wreckage removal policy compels your insurance provider to pay an expert to remove the wreckage from a river or lake.

Are you interested in new boat insurance? United Integrity Property & Casualty Agency offers a wide variety of boat coverage options including emergency assistance and personal effects coverage. We provide payment plans for our clients. Visit our Pennsylvania office for a free consultation.