Boat Insurance in Beloit, Osborne, and Smith Center, KS

If you own a boat larger than a canoe or other nonmotorized boat, you need a boatowners insurance policy to protect your boat and passengers. Boat insurance has much in common with car insurance, including the option to add coverage to fit your situation.

If you have a boat or are planning to purchase one, contact Fouts Insurance Agency in Beloit, Kansas, to get the boat insurance you need.

What Is Included With a Boat Insurance Policy?

A typical boat insurance policy may include the following coverages:

Physical damage. May cover damage to your boat due to a number of hazards, including theft or vandalism, collisions with floating objects or other boats and weather-related perils such as lightning, fire, waves, wind, hail and rain.
Liability. May provide help paying for damages you cause while operating your boat, including removal or disposal of your boat if it poses a hazard after an accident and clean up expenses due to oil contamination caused by the boat. This policy may also provide coverage for people who become injured while aboard your boat, including marina employees or mechanics.

Depending on where you plan to use and store your boat, your agent may recommend the following additional boat insurance coverages:

Hurricane haul-out coverage
Mechanical breakdown coverage

Roadside assistance or on-water towing
Coverage for carry-on personal property or fishing equipment
Trailer trip interruption
Ice and freezing damage coverage

Is Boat Insurance Required?

While a few states require boat owners to maintain a minimum amount of liability insurance, it’s more common for the marina where you rent a slip or mooring to require insurance. If you have a loan on your boat, your lienholder may also require you to carry certain types of insurance.

How Much Does Boat Insurance Cost?

Your boat insurance policy premiums depend largely on your boat’s age, value, length. Other factors underwriters consider when setting premiums include the type of engine, type of boat, intended area of use and mooring location. Your claims history and previous boating experience also impact your insurance premiums.

Contact Your Agent for Boat and Yacht Insurance

You can trust the marine insurance experts at Fouts Insurance Agency to help you get a boat insurance policy that meets your needs while protecting your finances. Contact the agents at Fouts Insurance today to learn more about your boat insurance options and to get a quote.