We may live in a beautiful desert, but the Copper State still has plenty of sparkling lakes that make for a boater’s dream. At Smart Move Insurance, we love being on the water just as much as you do. Whether you spend weekends skiing at Lake Havasu or afternoons relaxing at nearby Lake Pleasant, you face many risks as the owner and operator of a boat. Make sure you have insurance that provides all the protection you need, so you can spend less time worrying about potential hazards and more time enjoying your favorite pastime.
We can cover many different types of watercraft, including:
- Ski boats
- Fishing boats
- Pontoon boats
- And more!
Types of Boat Insurance Coverage
There are many types of coverage included in a typical boat insurance policy. Some are standard, while others are optional. Examples include:
Collision and Comprehensive Coverage
Accidents happen – even on the water. Don’t watch all the money you invested in your boat sink to the bottom of the lake. Instead, make sure your watercraft is protected with collision and comprehensive insurance that helps pay for the repair or replacement of your boat after a collision or covered non-collision event. From on-the-water accidents to fire, theft, and vandalism, we can help you shield yourself from many different risks.
Many boaters carry expensive equipment onboard. Ski equipment, scuba gear, and high-end fishing gear are just a few examples of the types of extras that may need special coverage under your boat insurance policy.
No one anticipates causing an accident. Unfortunately, bad things happen even to the safest of boaters, and you need to protect yourself against any scenario. If you are ever sued for damages to someone else’s watercraft or bodily injuries you cause in an accident, your liability insurance can step in to cover the expenses on your behalf.
If you and your passengers are hurt while operating your boat, medical payments coverage can help pay for your medical bills. This coverage applies regardless of who was at-fault for the accident and can be used in addition to your personal health insurance.
Don’t let the irresponsibility of another boater cost you big. If you are hit by an uninsured or underinsured boater, make sure your boat insurance will help cover your losses, so they don’t come out of your own pocket.
Wreckage Removal and Environmental Cleanup
Boating accidents can leave plenty of problems in their wake. Not only is your boat damaged or destroyed, but it also has to be retrieved from the water. Not to mention, any fuel spills will need to be properly cleaned up. Fortunately, your boat insurance policy can include coverage for wreckage removal and environmental cleanup after an accident.
Affordable Boat Insurance in Cave Creek, AZ
Here at Smart Move Insurance, we understand the unique needs of boaters. By using an independent agency, you gain access to an advocate who is working on your behalf to find you the coverage you need at a price you can afford. We can help you choose a deductible, select your coverage level, and find important discounts, such as:
- Multiple policy discounts
- Boater safety education discounts
- Pay-in-full discounts
- Claims-free discounts
- And more