Boat/Watercraft Insurance in Ohio
Owning a boat is an investment in fun and relaxation, but it also comes with risks. Hammer Insurance offers detailed boat insurance policies to protect your watercraft, passengers, and equipment. Whether you’re navigating Ohio’s lakes or storing your boat for the season, our coverage ensures you’re prepared for the unexpected.
What Does Boat Insurance Cover?
Boat insurance provides financial protection for a wide range of situations. Hammer Insurance offers policies that include:
- Hull and Physical Damage Coverage: Protects your boat’s structure, including the hull, motor, and permanently attached equipment, against damage from collisions, storms, fire, theft, or vandalism.
- Liability Coverage: Covers legal and financial responsibilities if you cause injury to others or damage their property while operating your boat.
- Medical Payments Coverage: Provides financial assistance for medical expenses incurred by you or your passengers due to a boating accident.
- Uninsured Boater Coverage: Offers protection if you’re involved in an accident with another boater who lacks insurance or sufficient coverage.
- Personal Effects Coverage: Covers personal items stored on your boat, such as fishing gear, life jackets, and electronics, against loss or damage.
- Trailer Coverage: Protects your boat trailer against damage or theft while transporting your watercraft.
- Emergency Assistance: Provides coverage for towing, fuel delivery, and other emergency services if your boat becomes disabled on the water.
Optional Add-Ons for Enhanced Protection
Hammer Insurance also offers optional coverage to customize your policy further:
- Agreed Value Coverage: Ensures you receive the full insured value of your boat in the event of a total loss, rather than its depreciated market value.
- Extended Navigation Coverage: Provides protection for boats used outside standard coverage areas, such as international waters.
- Special Equipment Coverage: Covers high-value items like fishing equipment, navigation systems, and water sports gear.
Get a Quote for Your Boat Insurance
Protecting your boat starts with the right policy. Contact us today to learn more about our boat insurance options or request a personalized quote. Our team is ready to answer your questions and help you find the coverage that works best for your watercraft.
