Boat, RV, and Motor Home Insurance Policies
Protect the Investment in Your Boat and Its Equipment
Insure your boat for less than a dollar a day and have a stress-free time on the water! Rely on DuWayne Kreager Insurance Center to find an all-inclusive insurance plan that covers you, the boat's occupants, your watercraft, and your boating equipment. Have a look at the coverage options below or contact us to discuss your boat and boat equipment insurance needs today!
Agreed Value Coverage for Your Watercraft
Don't worry about the depreciation of your boat's value with an agreed value coverage. While actual cash value policies only insure your boat against theft or total loss with its current fair market value, agreed value policies will give you the value that you had insured your boat for, after removing any deductible.
Liability Coverage Option for Boating Accidents
In case you're the one to blame for a boating accident, personal liability insurance covers other boats and their owners as well. The coverage includes repair or replacement of another party's property, as well as their medical costs, lost wages, and other expenses incurred as a direct or indirect result of the boating accident.
Medical Payments Coverage for Boat Owners and Passengers
All medical care that is needed as a result of a boating mishap, regardless of the person at fault, is covered by the medical payments option. The coverage may range from $1000 to $10,000 and includes you, your boat's passengers, and your water-skiers / tubers.
Physical Damage Coverage for Boats
The cost of repairs or replacement of your watercraft, its motor, your trailer (if stolen or damaged), and any other permanently attached equipment is covered in the physical damage option.
Uninsured / Underinsured Watercraft Bodily Injury Coverage
If your boat is damaged by an uninsured or underinsured boat, or you're injured in a boating accident involving another party who has chosen not to insure their boat, this coverage option will pay for all your medical and other direct costs, as well as your lost wages.
Fuel Spill Liability and Wreckage Removal Coverage
If your boat has sprung a leak, not only will it sink; there's always the risk of an oil or fuel spill in the water. You're required, as the boat owner and by law, to have the spill and boat wreckage cleaned up. Not only is the activity time consuming, but also expensive. The fuel spill liability and wreckage removal coverage ensure that your insurance plan pays for the expenses incurred.
Coverage of Your Personal Effects in the Boat
Personal effects coverage pays for the loss of a variety of personal effects on the boat:
- Clothing
- Scuba-diving / snorkeling equipment
- Cell phones
- Fishing equipment
- Sundry sporting equipment
However, the coverage does not include jewelry, watches, or furs, and the limits vary from state to state. Contact
us to learn more about this coverage option.
Unattached Equipment Coverage
This coverage option is meant for the repairs or replacements of boat equipment that are not permanently attached to the boat itself:
- Oars
- Anchors
- Tarps
- Lifesaving equipment
- Fire extinguishers
- Water skis
Emergency Assistance Coverage for Watercrafts
The emergency assistance coverage, like the roadside assistance option for cars, is a useful addition, especially in times when your boat has broken down in the middle of a water body for various reasons. This coverage option pays for the following:
- Towing charges
- Labor fees
- Cost of delivery of gas, oil, or a loaned battery
Just like your personal watercraft, each coverage plan is unique. We treat you in a personalized manner, analyzing your coverage needs to insure your boat and finding the right plan for you. Contact
us to speak to our consultants today!
Liability Coverage for Your RV and Motor Home
Protect your investment in a recreational vehicle (RV) or motor home with the right liability coverage policy. This coverage option pays for bodily injury costs, medical expenses, damage repairs, and uninsured coverage of another party.
Comprehensive and Collision Coverage
In the event of a total loss of your RV or motor home, we can find you comprehensive and collision coverage that includes the following customization options:
- Replacement cost coverage: Your insured RV or motor home will be replaced with a new one, very similar to the original
- Stated value: Coverage of the fair market value / actual cash value of the wrecked RV or motor home
- Agreed value: Coverage with the agreed upon insured amount, regardless of depreciation
Vacation Liability Coverage
During instances when you stop driving and start using your recreational vehicle or motor home as a temporary residence, this coverage will pay for any events that cause damage to your assets or injure you. You can also opt for a policy that pays for physical damage while in Mexico.
Personal Effects Coverage for RVs and Motor Homes
Full replacement cost for your lost or damaged items, which are normally used in your RV or motor home, is covered in this coverage option.
We also offer additional coverage options that can include the following:
- Accident forgiveness
- Pet coverage
- Diminishing deductible
Call
DuWayne Kreager Insurance Center to speak to one of our experienced insurance agents and discuss your needs for an RV or motor home insurance policy.
Call us
to hire our experienced and knowledgeable staff!
800-200-1340
Our business was established in 1983. We're a member of the Independent Insurance Agents of Wisconsin.