When the days are clear and the weather is warm, we know that the first thing on your mind is getting out on the water and the last thing on your mind is making sure your watercraft is covered by insurance. Keeping you and your boat safe is what Carmouche Insurance is here for and we’ll make sure that you enjoy your time on the water without having to worry about what could go wrong.
Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you among the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.
Our watercraft insurance plans provide you with coverage for many different types of loss, including:
- Medical Payments Coverage – We offer medical coverage that can cover your eligible medical expenses if you get hurt when on the water.
- Physical Damage Coverage – This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in. This type of coverage is purchased at an additional cost.
- Liability Coverage – If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.