Common Types of Boat Insurance in York, PA

At AAdvantage Insurance Group, Inc., we know that boats and personal watercraft are a valuable investment. We help you choose watercraft insurance with protection tailored to your specific needs and preferences. Explore the different types of coverage you can get for your boat insurance policy in Pennsylvania.

Navigational Area

Navigational area coverage can offer protection in the places you go. The coverage defines the geographical boundaries where your boat is insured. If you travel outside these zones, you may not have coverage for incidents that occur.

Agreed Value Coverage

Boats tend to depreciate over time. Agreed value coverage sets a pre-determined, fixed amount you may receive if your boat is totaled in a covered accident.

Liability

Liability coverage helps protect you financially if your boat causes property damage or injury to others while you're on the water. If you're found liable for an accident, the insurance may cover related damages, medical bills and legal fees.

Medical Payments

Medical payments coverage can offer financial protection regardless of who's at fault for an incident. The insurance helps cover the medical costs for any injuries you or your passengers sustain while on the boat.

Physical Damage Coverage

Physical damage coverage helps cover the costs of accidental damage or loss to your vessel. Some common perils may include collision, storms, sinking, fire or theft. Depending on your policy, you may receive funds to repair or replace the following:

• Boat hulls
• Fuel tanks
• Batteries
• Motors
• Anchors
• Onboard safety equipment

Uninsured and Underinsured Watercraft Bodily Injury

If another boater causes an accident and doesn't have any insurance or doesn't have enough coverage, then uninsured and underinsured coverage should cover expenses for you and your passengers. The optional add-on may help you pay for:

• Related medical expenses
• Property damages resulting from the incident
• Lost wages if you or your passengers are unable to work after the accident

Fuel Spill Liability and Wreckage Removal

Protect yourself financially with fuel spill liability and wreckage removal coverage. The insurance can help you pay for cleanup costs, legal fees and fines if your fuel tank leaks or your vessel sinks.

Personal Effects

Personal effects coverage can help protect your belongings when they're on the water or transferred on and off your boat. Typically, the coverage may have a deductible that you have to pay before the insurance will begin to cover the loss. Most policies have a set limit on how much they'll pay for items such as:

• Clothing
• Electronics
• Fishing equipment
• Other personal belongings

Unattached Equipment Coverage

We can help you obtain unattached equipment coverage for non-permanently attached items used on a boat, such as life jackets, anchors or oars. The coverage can help you pay for item repairs or replacements needed after an accident or other covered event.

Emergency Assistance

Feel prepared for any situation with emergency coverage assistance — usually, this coverage is included in a physical damage coverage package. The insurance may offer reimbursement for the cost of:

• Towing to shore or a repair facility
• Labor expenses while your boat is disabled
• Fuel, oil or parts delivery to get your boat running again
• Loaned batteries if your battery dies and you need a replacement

Find the Right Boat Insurance in Pennsylvania

Ready to have a worry-free experience on the water? At AAdvantage Insurance Group, Inc., we want you to enjoy breathtaking scenery and cherish time with loved ones. We offer a simple, streamlined process as your one-stop shop for personal insurance and commercial insurance solutions. Our agents can help you choose a policy tailored to your needs.

Call 717-755-2335 to learn more or start an assisted quote today.