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Get professional auto insurance advice from experts in the industry. Lighthouse Insurance, knows how to save you money, and we make every effort to find the best rates without sacrificing your safety or our standards.

Boat & Watercraft Insurance Options

Our policy coverage recommendations are based upon your need for personal risk protection!

The Risks of Owning a Boat

Owning a boat carries many of the same risks as owning an automobile. That's why working with a Lighthouse Insurance Agent is so important to the customizing your insurance options based around your specific risks. You could be held accountable for:

bodily injury property damage as a result of an accident
be injured by an uninsured operator
lose valuable property because of a hurricane, fire or other peril

Lighthouse boating insurance can help protect you from serious financial losses such as:

bodily injury to you, your family, and others
damage to others' property
water skiing liability
lawsuits
collision
sinking
running aground
striking submerged objects
theft
fire
smoke
vandalism
windstorm

Necessary Protection

To make sure you, your family and your boat/watercraft are adequately covered, Lighthouse's watercraft insurance policy offers seven different coverage's:

protection and indemnity coverage
excess medical payments
uninsured boater
hull and equipment protection
trailer coverage towing and disablement
additional endorsements

You can tailor your boat/watercraft insurance coverage to best suit your needs simply by selecting one of these categories. Some coverage's are contingent upon the purchase of other coverage's.

Liability Protection

Protection and Indemnity Coverage

protects you and covered persons for bodily injury and property damage when you injure other people in a boating accident, or damage other people's property
covers costs associated with legal defense and wreck removal

Remember, when making major purchases, add them to your inventory and check with your agent. You may need to increase your coverage levels. Most policies underwritten by companies that Lighthouse represents provide 70 percent coverage, rather than 50 percent.

Lighthouse Insurance automatically provides Excess Medical Payments Coverage at no additional cost when protection and indemnity coverage is purchased. This coverage protects you, your family members, and guests using or occupying your boat from excess medical expenses, i.e., those not paid or payable under other insurance.

Uninsured Boater Coverage

similar to uninsured motorist coverage for automobiles
not offered by many other insurance carriers, Lighthouse's policy protects you with coverage for bodily injury losses when you are struck by someone who "hits and runs"
has no insurance or has insurance, but their company refuses to pay, or cannot pay due to insolvency

Physical Damage Coverage

protects you against damage to your watercraft, the motor, furnishings, and equipment
covers salvage charges and reasonable towing charges incurred while moving your damaged boat to a repair site

Trailer Coverage

provides for direct physical loss of a trailer listed on your policy

Towing and Disablement Coverage

A Lighthouse exclusive not available through all watercraft insurers
protection for towing - land or water
delivery of gas
trailer coverage
emergency repair work while away from a safe harbor
trailer road service

Additional Endorsements

To further meet your boating insurance needs, you may choose to add valuable endorsements to your policy.

Personal Effects Coverage

protects personal property such as sports and fishing equipment, clothing, etc., under a named peril basis

Permission to Charter Coverage

protects you if you hire someone to operate your boat
rent or lease your boat for money or any type of consideration

Should you have any additional questions about Lighthouse's boat or watercraft insurance coverage, please don't hesitate to contact your local Lighthouse representative today at 1-888-399-0300. Get the quote you need in the time you need it. Ready to get started? Get an online insurance quote!

"Please refer to your policy declarations page as special terms, conditions And exclusions may apply."

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