Comprehensive Boat Insurance

• Bodily Injury - Usually covers injuries caused by a boat due to a collision with another boat, a collision with a swimmer or a passenger injury. It can also pay for an injury to someone who slips and falls while out on your boat. This extra layer of coverage protects you from getting hit with unexpected medical bills. In any of these circumstances, your bodily injury insurance will pay for a percentage of the medical expenses. If you spend a good deal of time on the water, we recommend purchasing as much bodily injury insurance as possible.
• Property Liability - Generally pays for damage caused to another boat and any property on the other boat that may be damaged. May also help cover any wreck removal in the event of an accident.
• Environmental Cleanup - Cost of cleaning up after a boating accident can cost a sizable amount of money. Cleanup insurance covers the cost of cleaning up after a collision including debris, oil, gas or anything that is considered environmentally damaging.
• Physical Damage Insurance - Covers damage to the boat. If you experience boat prop damage or any part of your boat hits the dock or other type of obstruction and becomes damaged, your insurance can pay to have the boat repaired.
• Roadside Assistance - It's a lot of fun to be on the lake if you want to be. If you get stuck out on the water and need a tow to shore, boating insurance may cover roadside assistance.
• Additional Coverage - Boat owners can also purchase additional coverage if something isn't already in your policy. Our brokers can help you find coverage against vandalism, theft, fire, flood and personal property coverage for your boat stereo or fishing gear, uninsured boater insurance and roadside assistance in the event you need a tug.

If you're looking for ways to save money on your boat insurance policy, check out ways below to help you rack up savings:

• Bundle your boat policy with your home or auto insurance
• Complete a boater safety class during the winter months
• Add recommended safety features to get premium discounts
• Extend time out of the water
• Haul out at the end of September rather than the end of October

Be sure to advise us of any safety classes you complete, safety features you add and haul-out dates. Our agents are ready to help you start saving money!

Navigating the waters of the insurance world can be difficult. At Value Plus Insurance Brokers, our insurance brokers are here to guide your compass. Below are a few more things you should know about boat insurance:

• Coverage dates
• Navigational limits
• Coverage on land
• Smaller watercraft

Make Sure You're Completely Covered

Once your boat is insured, make sure your health insurance and life insurance policies are up-to-date. When the rules of the waterways are followed and boaters use common sense, boating is a safe and fun thing to do! Accidents do happen so it's important to make sure you're covered when and where you need it.

We offer a complete range of insurance coverage for all of life's adventures, including:



• Vehicle insurance
• Motorcycle insurance
• Health insurance
• Homeowner and renter insurance
• Life insurance
• And more
  

At Value Plus Insurance Brokers, our vehicle insurance professionals can help you choose the boat insurance policy that works best for you. Let's face it. The Land of 10,000 Lakes was made for boaters.

If you love spending time out on our beautiful lakes, don't forget the essentials. You'll need sunscreen, life preservers and good boat insurance coverage. Call (952) 435-0550 for your FREE quote today.