Boat/Watercraft Insurance

Boat and watercraft insurance protects your vessel, equipment, and liability while you enjoy Illinois’s lakes and waterways. At Smitherman & Associates, we offer coverage for motorboats, sailboats, jet skis, and other personal watercraft, helping you stay prepared for unexpected events on the water.

What Is Boat and Watercraft Insurance?

Boat and watercraft insurance is a specialized policy designed to cover vessels such as motorboats, sailboats, jet skis, and other personal watercraft. It provides protection against risks like physical damage, theft, and liability for accidents or injuries. Whether you use your boat for leisure or fishing, this coverage ensures you can navigate the water with confidence.

Key Coverages in Boat and Watercraft Insurance

• Physical Damage Coverage: Protects your boat or watercraft against damage caused by collisions, storms, theft, or vandalism.
• Liability Coverage: Covers legal and financial responsibilities if you cause injury to others or damage their property while operating your vessel.
• Medical Payments Coverage: Helps cover medical expenses for injuries sustained by you or your passengers while on the water.
• Uninsured Watercraft Coverage: Provides protection if you’re involved in an accident with an uninsured or underinsured boater.
• Equipment Coverage: Extends protection to items such as anchors, life jackets, and other boating accessories.

Answers to Common Boat and Watercraft Insurance Questions

Do I need boat insurance in Illinois? While boat insurance is not legally required in Illinois, it is highly recommended to protect your vessel and yourself from financial risks. Our team can help you understand the benefits of coverage for your specific situation.

What types of watercraft are covered? Boat and watercraft insurance typically covers a wide range of vessels, including motorboats, sailboats, jet skis, and other personal watercraft. Contact us to learn more about coverage options for your specific vessel.

How can I get started? To learn more about boat and watercraft insurance or to request a quote, visit our Contact Us page. The team at Smitherman & Associates is ready to assist Illinois boat owners with finding the right coverage for their needs.