Watercraft & Boat Insurance

Serving Baton Rouge, New Orleans and surrounding areas since 1929

Whether it's a bayou, a river, a lake or the Gulf, there are plenty of places in Louisiana that you need a boat to access. Whether for business of leisure, plenty of Louisianans use boats to get out on these waterways.

But boating can be expensive, particularly if something goes wrong out on the water. This is one reason why it's crucial to protect your vessel — and the sizable investment you made in it — with boat insurance coverage

But where should you turn for this coverage> Look no further than McInnis Insurance Services, Inc.! We have more than 80 years of insurance experience in Louisiana, and our access to multiple insurers allows us to find you a policy that meets your needs and budget. Call us at (844) 926-0860 or request your free quote online today!

Why Do You Need Insurance For Your Boat Or Personal Watercraft?

You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

• If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things To Consider And Questions To Ask Your Agent

Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
• Is my boat or watercraft covered for use year-round?
• What discounts and programs are available?
• How much medical insurance and liability coverage is enough?
• Do I have coverage if I need to have my boat towed in an emergency?
• What's the process for filing and settling a claim?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

bodily injury

property damage

guest passenger liability

medical payments

theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

Additional Resources

• Vital Systems Checks for Your Boat
  
• Read more Car Insurance articles here.