Boat/Watercraft Insurance in Ohio

Whether you are riding a jet ski, fishing, or boating, it is important that you are protected while you are in the water. That is why we provide boat and watercraft insurance here at America’s Top Insurance in Columbus, OH. We want to ensure that both you and your watercraft are always protected, no matter if you are in the water or if your boat is parked at a marina. We offer different policy options to meet your needs.

Boat/Watercraft Insurance Requirements

Boat insurance is not mandatory in the state of Ohio. But, this doesn’t mean that you should go without getting insurance. Certain lenders may even have you purchase a policy once you lease or finance your boat. Additionally, if you park at a marina, they may request proof of insurance.

Boat/Watercraft Insurance Coverage

Here is what you can expect from boat insurance coverage:

Collision and comprehensive - Collision can keep your boat protected against accidents that involve other boaters. It will cover the expenses of repairing or replacing your boat. Comprehensive can cover the costs of repairing or replacing your boat if it becomes damaged by fire, storms, vandalism, or other dangers that are not collision-related.
Uninsured/underinsured - If you are injured by an accident that was caused by another boater who doesn’t have insurance, this will cover your lost wages and medical expenses during your recovery.
Wreckage removal - This will cover all expenses of retrieving your boat from the water in the event your vessel becomes wrecked.
Bodily injury and property damage liability - If you cause an accident, these coverage options will pay the other party’s medical expenses if they are hurt. Property damage liability will cover the expenses of the other person’s boat or property if you are responsible for damaging it.