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Boating insurance: Coverage options

Coverage options for boating insurance are similar to that of auto insurance. There are a variety of coverage options you can obtain such as..

Physical Damage Coverage

Watercraft Liability Coverage

Medical Payments Coverage

Emergency services coverage

Coverage for personal effects

There are also additional coverage options that you can learn about by either asking your current auto insurance agent or by learning about it online. My mother in law is an insurance agent for Farmer’s insurance so I was asking her about this topic. She told me that there are also discounts available to you for certain things on boat insurance. Such as..

New Boat Discount if the boat is less than 11 years old

Boating Education Discount ( you must complete a approved boating course)

Experience Discount (have at least 3 years experience with boating)

Those are some of the discount options that she told me.