Boat/Watercraft Insurance in New Jersey
It doesn't get much better than enjoying the cool breeze of the ocean on your boat. If you are in New Jersey and own a boat, don't let boat/watercraft insurance limit you from exploring the water ways. Visit us at Dirus & Sons in Neptune, NJ and let us help you get your boat insured.
We offer Boat/watercraft Insurance that has the following coverage options but is not limited to:
- Comprehensive: Provides indemnification if your boat is stolen, vandalized, or damaged by an accident. However, it doesn't provide compensation if the damage is caused by a collision.
- Collision Damage Coverage: It pays for replacement or repairs for your boat for damages caused by a collision. This is crucial if you are found at fault in an accident because liability will not cover damages to your vessel.
- Property Damage Liability: Pays for damage you might cause to property belonging to someone else. It may be a boat, dock, or other structures.
- Bodily Injury Liability: Pays for bodily injury you might cause to someone as you use your boat. It includes medical costs, pain and suffering, and lost income.
- Legal Liability: It pays for the cost of defending yourself if you are sued as a result of an incident that happens while using your boat.
- Uninsured and Underinsured: Underinsured provides coverage if you are involved in an accident caused by a boater who doesn't have enough insurance while uninsured offers coverage if you are involved in an accident caused by a boater who is not insured.
Boat/watercraft Insurance can have many coverage options. Additional coverage options can include towing assistance, medical payments, oil spills, fishing equipment, and much more.
Do I need insurance if I don't use my boat?
Many people in New Jersey who own boats and don't use them ask this question. The answer is yes. Your boat can get damaged or stolen even when not in use. You can also be tempted and go on an impulse ride. For these reasons, it's always advisable to have a boat/watercraft insurance in place.
Call or visit us at Dirus & Sons in Neptune, NJ and we will help you acquire a boat/watercraft insurance policy that fits your lifestyle. Contact us for more information.