Why Every Boat Owner Should Consider Uninsured Boater Coverage

Having a boat offers a sense of freedom, excitement and the thrill of exploring open waters. However, that enjoyment also comes with important responsibilities, especially when it comes to insurance. One essential yet often neglected form of protection is uninsured boater coverage. This type of insurance can be a crucial financial safeguard if you’re ever involved in an accident with a boater who lacks sufficient coverage.

Benefits of Uninsured Boater Coverage

While many boaters carry liability insurance, not all do. In fact, unlike auto insurance, boat insurance isn’t mandatory in many states. If you’re involved in a collision caused by another boater who lacks adequate insurance, you could be left paying for medical expenses, lost wages and even boat repairs out of pocket. Uninsured boater coverage kicks in to cover these costs, protecting you and your passengers.

This type of coverage is especially important in areas with high boating traffic or where insurance requirements are laxly enforced. Medical bills from boating accidents can be substantial, and without adequate coverage, the financial burden can be devastating.

Moreover, uninsured boater coverage is typically affordable and can be added to most boat insurance policies with minimal cost. It’s a small price to pay for significant protection.

Learn More

For boat insurance near you, contact Jarrard Insurance Inc.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.