The Poland Agency | Boat/Watercraft Insurance

Boat/Watercraft Insurance In Ohio

It doesn’t matter if you are fishing, boating, or riding a jet ski. You need to obtain insurance since you are always at risk for an accident. We offer various policies at The Poland Agency in Ohio for boats and other watercraft. It is important that you protect your investment if you are involved in an accident with another boater or some other object that causes damage to your boat.

Boat Insurance Requirements

Like many other states, boat insurance is not legally required in Ohio. However, it is wise to obtain it or be held responsible for paying out of pocket for medical and repair expenses. This could put your finances in jeopardy. Additionally, certain marinas may require boat insurance if you plan on keeping your boat or other watercraft with them.

Boat Insurance Coverage

It would be best if you considered adding these coverage options to keep your boat or other watercraft protected:

Liability- This will protect your boat and other boat owners if you are involved in an accident and are at fault. This will cover repair or replacement expenses to another person’s property.
Medical payments- This will cover the costs of medical care in the event of a boating accident. It will cover both you and your passengers no matter who is at fault.
Uninsured/underinsured- If you are hit by another boater who is uninsured or doesn’t have enough insurance, this coverage will pay for your medical expenses and any lost wages if you are injured.
Physical damage coverage- This will cover the costs of repair or replacement expenses if your boat or other equipment is damaged or stolen.
Fuel spillage and wreckage removal- This will cover you if your boat is seriously damaged or sinks since there is a chance it could leak oil into the water.