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3 Reasons Why Watercraft Insurance is the Best Co-Captain You’ll Ever Have

Posted in Benefits of Marine Insurance on Nov 05, 2020.

There’s nothing quite like seeing the sunrise on the waves, or watching the clouds roll overhead during a peaceful afternoon of fishing. It’s even lovelier if you have the chance to take some time on the water just for yourself but going out on the water alone means that you have to be responsible for whatever challenges arise. However, there’s a co-captain that will always be at your side without interfering with your day: watercraft insurance with MD Marine Insurance. Today, we’re going to examine why watercraft insurance is such a good idea to have onboard, no matter what kind of craft you’re piloting, and how it can help you safely navigate through a variety of on-the-water emergencies.

You’re Protected From Other Boats

When you’re out on the water, you can do everything absolutely right - proper speed, proper distance from other boats, proper safety gear - and still have a collision with another boat. After all, the fact that you’re doing everything right means nothing if the other boat is doing everything wrong. If that happens, and both you and the boat you collided with don’t have insurance, you could be on the hook for the repairs that can easily run into tens of thousands of dollars.

Watercraft insurance from a boat insurance company like MD Marine Insurance makes sure that you’ll be covered for the cost of repairs or (in the case of a really bad collision) replacement. But MD Marine takes that one step farther by covering the cost of personal effects (with limits) you bring on your boat that are damaged in the collision.

You’re Protected From Onboard Injuries

Some boat collisions don’t end with a paint scrape. Collisions are responsible for the largest percentage of on-the-water injuries, and if you don’t have good watercraft insurance on your side and you’re at fault for the collision, then you could also be responsible for paying for the injuries that resulted.

At MD Marine Insurance, our watercraft insurance coverage comes with a standard liability limit of $2,000,000.00. It’s also available for all types of watercraft, giving you exactly the same protection whether you’re on a SeaDoo or your own private fishing boat.

You’re Protected From Theft

One of the things that bugs us about most watercraft insurance is all the fine print that regulates the circumstances in which a payout can be made. Let’s say that you’ve safely docked your boat for the night. But in the morning, you see that items are missing or even worse, your boat is gone. Are you covered for theft?

With MD Marine, the answer is yes. We’re a boat insurance company that doesn’t split hairs over the details. What we care about is that your boat is gone, and we’re here to help you get back on the water as quickly as possible with our claims service. Thanks to your watercraft insurance with MD Marine, one bad day doesn’t mean that the rest of your year is ruined.


Watercraft Insurance From MD Marine

When you’re looking for the right watercraft insurance to bring on board for your next trip, you’ll be able to depend on MD Marine Insurance. A few other coverages you’ll also benefit from are emergency towing, vermin coverage, fuel delivery, and coverage for loss of use (with the exception of PWCs). No matter how your day goes, MD Marine Insurance will be there to make sure it turns out all right.

For more information on our boat and watercraft insurance, call us at (877) 627-4633. You can also get a free, no-obligation boat insurance quote online.