Your boat is of high value — both sentimentally and financially — so it only makes sense to insure it the same way you would insure your home or road vehicle. When you opt for boat insurance from a Colorado insurance agency like Rick Baker Insurance, you can have the peace of mind that your boat and the people on it are covered in case of an accident.

The right Colorado boat insurance can help you maintain this protection for years to come.

What does boat insurance cover?

Boat insurance helps protect your boat from physical damage caused by things like weather, vandalism, or even theft. Depending on your insurance policy, your boat, the motor, and permanently attached equipment will be covered.

In addition to coverage for the boat, your boat insurance can also help pay for medical expenses associated with any accident that occurred on your watercraft. If the accident was your fault, your boat insurance can help you pay for the medical expenses accrued by someone that got hurt on your boat. 

Your boat insurance policy typically also carries personal liability, which covers other boaters if their boat or their passengers are damaged by your watercraft. 

Finally, most boat insurance policies also cover the removal of oil and gas from the water where you had your boating accident. 

If your'e interested, most insurance agencies also give you the option to opt for emergency assistance coverage. This covers:

• costs associated with towing
• costs associated with gas or battery delivery
• costs associated with recovering your boat if you're stranded
  

Learn more about boat and watercraft insurance from Rick Baker Insurance

If you recently bought a boat and need an insurance policy pronto,  Rick Baker Insurance is here for you. Our insurance specialists can help you decide on appropriate coverages for your situation and even customize a policy to your needs.

To learn more about our Colorado boating insurance policies, give us a call at 303-444-3334. Our representatives will be glad to speak with you about our many policy options!

We can’t wait to hear from you!

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