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Boat and Jet Ski Insurance

At Wheat State Insurance Group, we recommend insuring any watercraft you have. If you enjoy boating or jet skiing get your watercraft and equipment covered today. Our independent insurance agents can help you find an insurance policy that is affordable. If you are a water sports enthusiast or own a boat or a ski jet, we can provide the perfect insurance policy for your needs.

Types of Boat Insurance

Depending on the surrounding factors, we have two options that you can choose from when it comes to watercraft or boat insurance. We can protect your vessel based either on ‘actual cash value’, ‘agreed value’ or ‘replacement cost.’ Actual cash value refers to a policy that will only compensate up to the actual monetary value of the vessel when it is declared wholly or partially lost. This option costs less but has depreciation as a criterion.

Agreed value refers to a policy that will cover the vessel as per its value the day the policy is written. The only drawback here is that this option may cost more. The beauty of it is that it does not factor in depreciation.

Insuring Your Boat and More

Boat/Watercraft/Jetski insurance is a lot like auto insurance. The specific coverages a policy offers will vary, but you might find coverage for:

  • Liability for injuries
  • Boat hull and its trailer
  • Damages to personal effects such as life jackets, skis, fishing equipment; basically anything not permanently attached

As you compare policies with one of our agents, they'll explain each coverage to you. If you have any questions about a specific policies terms and conditions, just ask them. Our agents never mind explaining the intricacies of an insurance policy. Because we only have independent insurance agents, we're able to find you some of the lowest available rates on your toy insurance.

Contact us at Wheat State Insurance Group. We've helped many toy owners, and we're ready to assist you. To get in touch with us, send us a message by filling out the request a quote form above, you can give our office a call (877) 226-8072 or visit us at one of our locations.