Boat/Watercraft Insurance in Iowa

If you have a boat in Iowa, you aren't required to have boat insurance, but there are several benefits.

Things to Consider with Boat Insurance in Iowa

When shopping for boat insurance, you should be aware of the different types of coverage. Make sure you know where you are covered in the water. Agreed upon coverage policies mean that you get the value you insure it for minus your deductible. Since boats depreciate just like an automobile does, it can be hard to replace your boat if it's been destroyed with an actual cash value policy.

Boat Insurance Coverage Options in Iowa

An agent at Heimgartner Insurance Inc. in Sioux City, IA can help you find the right coverage. Personal liability coverage is similar to car insurance and gives coverage to other boaters if you are at fault for an accident. These coverages pay to replace someone else's property or pay for lost wages or medical care if there are injuries. Medical payments coverage pays for the cost of care that you need after an accident. Not only are you covered but so are your passengers, regardless of who caused the accident.

Physical damage coverage pays for replacing or repairing the boat, the motor, or permanently attached equipment if it is damaged or stolen. Uninsured or underinsured boat insurance covers you if you are in an accident with a boater who doesn't have insurance. Since boat insurance may not be required, this can be a good option.

Personal effects coverage pays for personal effects onboard, including fishing equipment, sporting equipment, jewelry, clothing, and cell phones. Wreckage removal and fuel spill liability cover you if the boat is damaged or sinks and leaks fuel. As the owner, you are responsible for getting this cleaned up, and it can be expensive. Unattached equipment coverage pays to replace or repair equipment you don't have permanently attached to your boat but is designed for use on the boat, such as life jackets, anchors, oars, or water skis.

Contact Heimgartner Insurance Inc. in Sioux City, IA to get a quote on boat insurance.