Recreation Vehicles

Watercraft & Boat Insurance

Watercraft & Boat Insurance

Servicing Morgan City, Patterson, Berwick, Bayou Vista, Houma, Thibodaux, Franklin and surrounding areas

The beautiful waters of Louisiana are ideal for fishing, jet skiing and many other adventures on the water. At Bruni Insurance Agency, we make boat insurance easy so you can enjoy these special times knowing you have the coverage you need if something happens.

How Does Boat Insurance Work?

A range of insurance coverage is available for boats, and the type of insurance you choose depends on your type of boat. Boat-related harm, loss and injuries can happen, and boat insurance can minimize the resulting financial damage.

What Does Boat Insurance Cover?

A typical boatowners policy provides:

  • Liability — Two primary liability coverages are generally included:
    • Personal liability provides protection for legal liability and pays, up to the limit of your policy, your legal obligations due to an accident resulting from the ownership, maintenance or use of your boat, including bodily injury, property damage and legal defense.
    • Medical payments pay medical expenses up to the limits in the policy, including any boating-related medical costs from an accident arising out of the ownership, maintenance or use of your boat.
  • Physical damage — This generally covers your boat, motor, boat trailer, boat equipment (anchors, oars, fuel tanks, life jackets, dinghies, tools, etc.), and other personal property against theft, accidental loss or damage.

You can usually supplement your boat insurance with additional coverage for added protection, including:

  • Emergency service—Towing to the nearest qualified repair facility is provided at no additional cost when your tow vehicle or trailer is damaged or disabled. There are no out-of-pocket cost to you for this coverage.
  • Fuel spill protection—This covers unintentional oil or fuel spills that are your legal responsibility.
  • Wreck removal—This pays for the cost to raise, remove and possibly destroy the wreckage if your watercraft sinks.

Having boat insurance enables you to insure yourself, your passengers and your boat. Often you can also insure water skis and personal effects—up to $5,000—for items such as clothing, sunglasses and cell phones.

Are Boats Covered Under Home Insurance?

Typically, small boats, such as canoes or unmotorized boats, fall under the personal property portion of a homeowners insurance policy. But if the boat is a more expensive, motorized model, boat insurance may be needed.

Is Boat Insurance Expensive?

Boat insurance premiums are typically determined by the value of your boat, your boat’s length, age and classification or type of boat. We can evaluate your situation and get you a policy that meets your needs.

How We Can Help

Whether you live in Morgan City, Patterson, Jeanerette, Franklin, Berwick, Houma, Thibodaux, Raceland or South Louisiana, the Bruni Insurance Agency offers thoughtful and compassionate customer care. We can help you get the low-cost, comprehensive coverage you deserve. Complete our straightforward quote form to get started today on your boat insurance.

Are you ready to get a Watercraft & Boat insurance quote? Fill out our quick and easy quote form today!