Boat Insurance in Kentucky

Water based activities are a way of life in Kentucky and if you are on the water you will need Watercraft Insurance.

Just as vehicle insurance protects you for property and personal damage when you are in an accident, so does watercraft insurance.

Watercraft insurance can cover such things as injury to swimmers or skiers, damage to other boats, jet skis or jetties. It will also cover damage to your own vessel, trailer and motor in the case of an accident and will cover you in the event of a theft of vessel, trailer or motor or all of these items.

There are two levels of cover:

  • Cash value, where in the event of a loss, you will be paid the market value or your vessel less an amount for depreciation.
  • Agreed value, where at the time of taking out the policy, you and the insurance company agree of the value of the vessel and in the event of a loss, that is the amount you will be paid.

Personal items such as fishing rods and nets and water skis will require additional insurance.

You may be eligible for a multi-policy discount if you have other policies with the same insurer. Discounts may also be available if you have a claim-free history or have fire extinguishers and radio equipment on your vessel.

Give us a call today for a competitive quote on your watercraft insurance in Kentucky.

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