What Is Average Net Worth Of 70-Year-Old In United Statess Benefits of a Specialized Boat or Personal Watercraft Insurance Policy

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Benefits of a Specialized Boat or Personal Watercraft Insurance Policy

Coverage that is not available when a boat or personal watercraft is added to a homeowner’s policy is what can be offered along with competitive rates, broad acceptance and specialized coverage for boat and personal watercraft (PWC) owners.

These policies may include:

• Consequential sinking, explosion, burning or collision caused by wear, latent damage or mechanical breakdown.

• Subject to local customs as long as the boat is winterized to the manufacturer’s specifications, freeze damage to the boat and engine(s).

• No charges for improvement or depreciation. For example, a six-year-old bimini top is ripped off during a windstorm; it will be replaced with a new one rather than paying a small percentage of its original value.

Political Features:

Agreed Value – Available on any boat eligible for Physical Damage. In the event of a total loss, this pays the assessed basis regardless of the Actual Cash Value. Optional for full coverage policies. Protects against depreciation.

Total Loss Replacement – Available on newly purchased boats up to one model year old. In case of total loss, replace the insured boat with a new boat. For the boats more than five model years. They pay the purchase price. Protects against depreciation and inflation.

Navigation – Coverage applies to all inland waterways and all bodies of water within 75 miles of the United States and Canada; 125=miles navigation limit approval.

Environmental damage – Fuel spillage and wreckage removal coverage included with all policies.

Roadside Coverage – Covers breakdowns while the boat is in tow- even if the tow vehicle is not the one insured by the insurance company.

Water sports activities, water skiing, wakeboarding – included with Liability and Med Pay covers.

Replacement costs for the items on board -Offers main covers for personal effects and fishing equipment.

Emergency on-water towing – Provides reimbursement for on-water towing and labor costs when the boat becomes disabled on the water.

Propulsion Plus – Provides coverage for the lower unit of an outboard engine and the upper and lower units of a sterndrive engine, in the event of mechanical breakdown, including those caused by wear and tear.

Disappearing Deductibles – Deductibles are reduced by 25 percent for each claim-free policy period. After four free policy periods, the deductible is zero.

Small Claim Waiver – Premium does not increase if a customer has one or more claims that require a payment of $500.00 or less.

Did you know that in the United States one in eight vehicle-owning households owns a boat?

The median for PWC owners is 41 and for boat owners is 45 to 49.

The average income of PWC owners is $95,000.00 and for boat owners is $50,000 to $75,000.

Buying used boats makes up 70 percent of new boat policies.

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