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Ohio Boat and Watercraft Insurance

Ruese Insurance Group Boat and Watercraft InsuranceWhat Is Boat Insurance?
A boat policy insures you and your boat against liability and damage in the event of an accident. The types and amount of coverage you receive will depend on the specific boat policy you purchase.

How Does A Boat Policy Protect Me?
A boat policy typically covers you from damage caused by;

  • a collision
  • sinking
  • an accident
  • malicious mischief
  • vandalism

Most boat policies cover physical damage to;

  • the hull
  • sails
  • machinery
  • furnishings
  • most on-board equipment
  • boat trailer for damage from an external cause.

Your boat insurance needs differ depending on the type of boat or personal watercraft you own. Each policy provides detail on what is covered and what is excluded.

Tell Me More About Boat Liability Coverage
A boat policy can provide coverage for damage to another boat or dock, and for bodily injury or death to another person as a result of your negligent operation or ownership of the boat. It may also provide coverage for medical payments to others and coverage against injury to you caused by an uninsured boater.

What Optional Insurance Coverage Can I Get For My Boat?
You may purchase optional coverages, such as:

  • coverage for your personal property
  • coverage for your fishing equipment
  • coverage against injury to you caused by an uninsured boater

How Much Do You Know About Boating Safety?
Take The Safeco® Boating Safety Quiz :


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