Watercraft Insurance

Protection for your boat and other watercraft.

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Boat and watercraft insurance in the middle Tennessee area, including Nashville, TN and surrounding counties.

Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. 我们会帮你把烦恼留在陆地上,让你充分享受在水上的时光.

Getting out on the water should be carefree, but owning and running a boat brings several financial risks. 船舶保险意味着你可以不再担心这些风险,回到船上放松.

船舶保险(或船舶保险)保险单通常有两个标准要素, with two optional extras that are worth considering. 一个标准的特点是对船舶的物理损坏提供保险, whether that be from a collision, fire, severe weather, theft or vandalism. The other standard feature in a boat insurance policy is liability, meaning you’re covered for damage you cause to other boats or people, along with the associated legal costs. 如果你的船受到严重损坏,你可以购买可以承担清理漏油费用的保险, as well.

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Which insurance solution is right for your family?

探索如何拥有正确的保险可以保护你免受意外.

Watercraft
Uninsured / Underinsured Boater
Risk Factor

当有人驾驶他们的私人船撞了你,而没有足够的责任保险来赔偿损失或伤害费用时,会发生什么? 如果对方不能支付,你可能会自掏腰包.

Solution

无保险/保险不足的船艇保险可以支付损失,如果你与另一个船艇没有保险或没有足够的保险. This coverage can pay for physical or bodily injury damages.

Towing and Assistance
Risk Factor

如果你的船抛锚了或者在你出海的时候燃料耗尽了, you may need to have it towed or to have fuel brought to you.

Solution

拖曳和救助保险可以在你的船抛锚的情况下帮助支付与救助相关的费用, needs to be towed, or needs to be refueled.

Personal Property and Unattached Equipment
Risk Factor

你的船或船可能载有个人物品和各种类型的设备,包括渔具, safety equipment, water skis, deck chairs, and other items. 如果这些物品从你的船上被偷了,他们可以相当昂贵的替换.

Solution

个人财产和独立设备保险可以赔偿你留在船上的个人财产,以防它被偷.

Pollution / Fuel Spill Liability Coverage
Risk Factor

In the event of a collision or salvage operation, 你的船或船可能会泄漏或泄漏燃料到水里. 你可以对你造成的损害负责,或者在这种情况下要负责.

Solution

污染和燃油溢出责任保险提供保护,如果你被要求对燃油泄漏或溢出负责. This policy can pay for costs associated with cleanup and restoration.

Recovery and Salvage
Risk Factor

有些碰撞和事故非常严重,你的船可能需要从水中回收. In other cases, it’s possible a vessel could sink.

Solution

恢复和打捞保险提供资金,以帮助恢复您的船在事件的碰撞或如果你的船下沉.

Hurricane Haul Out
Risk Factor

If you live in an area prone to hurricanes, 如果一场风暴正向你袭来,你可以选择把你的船从水里拖出来,或者让它移动.

Solution

In the event you decide to haul your boat out during a hurricane, this coverage will pay for the cost of the emergency haul out. It can also cover costs associated with moving the boat to a safer harbor. 保险范围一般包括码头专业人员及其服务的费用, captains, and dock masters.

Umbrella / Excess Liability
Risk Factor

你邀请客人上船,结果有人从船上掉了下来,受到了永久性的伤害. They hire a lawyer and after a long legal battle, you and your family are left financially responsible for their injuries. 你有足够的存款来支付你的法律责任和法律辩护费用吗?

Solution

雨伞或超额责任保险增加了您的个人责任限制,在您目前的船舶保险之外增加保护,并提供真正的经济价值和心灵的平静. 超额责任保险可通过背书您的房主政策或作为一个单独的覆盖范围.

Property Damage Liability
Risk Factor

Regardless of whether your watercraft is operated on a lake, river, bay, or ocean, there is always the risk of causing damage to someone else’s property. For example, 当你试图在一个大风天停靠你的船时,你撞上了另一艘船或码头并造成损坏.

Solution

财产损害责任保险保护你,如果你的船损坏了其他人的财产,如船或船, a dock, or pilings. Damage could easily reach in the tens of thousands, and without the proper level of insurance, you can be left financially ruined if found at fault.

Physical Damage
Risk Factor

如果你的船在与另一艘船的意外事故或与码头的碰撞中受损, rock, or submerged object, the expenses associated with repair or replacement could be substantial. Your boat could also be damaged due to vandalism, explosions or fire, weather-related causes, or falling objects.

Solution

物理损害保险包括两部分:碰撞(当你的船与另一艘船或物体相撞)和综合损害(当你的船因人为破坏、天气或被盗而损坏)。. 这种保险通常带有在保单开始支付之前你有责任支付的免赔额.

Agreed Value vs. Actual Cash Value
Risk Factor

Boats and watercraft can vary widely in price and value. If a loss occurs, 当涉及到保险公司支付的金额时,你所投保的保险类型会有很大的不同.

Solution

Because boats depreciate in value over time, 它们的价值可能与替换它的成本大不相同. 约定价值是指投保人与保险公司约定的金额. In the case of a loss, the policy will pay the agreed value of the vessel, even if it has depreciated in value since the policy was written. Actual value refers to the value of the vessel at the time of the loss, 这可能会让船主支付保险公司将支付的费用和新船的费用之间的差额.

船舶保险的一个可选部分是对您在船上保存或使用的个人财产的盗窃或损坏承保. 当你考虑到运动或钓鱼设备和昂贵的小玩意的成本时,这是很值得考虑的. 你也可以选择船只拖曳和救助保险,如果你的船在水面上抛锚,你就可以免受损失.

Spending time on the water is fun. 今天和我们谈谈如何获得合适的船只保险.

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