While cruising the water in your boat, the last thing you want to worry about is insurance. Contact us and let us take care of you. Then go back to fishing, sunbathing, or just relaxing on those cool, clear waters. We have a policy for most types of boats including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans and utility boats.

Most companies provide limited coverage for property damage for small boats such as canoes and small sailboats or small power boats with less than 25 miles per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 per cent of the home's property value and generally includes the boat, motor and trailer combined. Liability coverage is typically not included–but it can be added as an endorsement to a homeowners policy. Check with your insurance representative to find out if your boat is covered and what the limits are.

Larger and faster boats such as yachts and personal watercraft such as jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.

For physical loss or damage, coverage includes the hull, machinery, fittings, furnishings and permanently attached equipment as part of either an actual cash value policy or on an agreed amount value basis. These policies also provide broader liability protection than a homeowners policy. But there are distinct differences between the two types of policies.

Hruza Insurance Agency

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