BOAT INSURANCE - LOUISVILLE, KENTUCKY

Navigational Area

With our boat insurance in Louisville, you can navigate the waters with confidence. We ensure that you are protected wherever you choose to sail. We understand that boating enthusiasts in Kentucky, Florida, and Oregon may have additional areas they wish to explore. That's why we offer the option to purchase coverage for these specific reasons.



Agreed Value Coverage

We provide agreed-value coverage for watercraft. Similar to cars, watercraft also depreciate over time. However, with our policy for rescue, you don't have to worry. We will cover you for the challenges of replacing a stolen or destroyed boat. In the event of any total loss, you will receive the insured value of the boat minus the deductible.



Liability

With personal liability coverage, we are here to save the boaters and boat owners if you are at fault. We'll take care of the expenses in this case. Personal liability coverage also includes medical expenses, lost wages, and other costs resulting from the accident. Knowing that we will protect you, you can bounce back and navigate the waters in peace.

Medical Payments

Regardless of who caused the accident, this coverage ranges from $500- $10,000. From necessary rehabilitation care to medical expenses, this policy keeps you protected.. Its practicality and versatility make it a must-have for the boat owners. Trust us to have your back in the unpredictable waters.

Medical Expense

Medical expense coverage offers shields to your guests if they happen to sustain injuries on board. In certain situations, it may even extend to injuries that occurred outside your property. However, please note that this does not apply to healthcare costs for you or members of your household.

Physical Damage Coverage

Rest easy knowing that your valuable assets are protected with our physical damage coverage. If your assets are stolen or damaged, we are here to take care of the expenses. Be it a watercraft, motor, permanently attached equipment, or your trailer.

Uninsured/Underinsured Watercraft Bodily Injury

Watercraft owners may choose not to get insured as it is not mandatory by law. Still, having the right coverage can protect you from any unfortunate event. This coverage takes care of your medical bills, lost wages, and other costs arising out of an accident. We prioritize your well-being by providing financial protection against the unexpected on the water.



Fuel Spill Liability and Wreckage Removal

If your boat goes down or sustains any significant damage, there is a possibility that it may release oil or fuel into the surrounding water. As the owner of the vessel, you are obligated by law to ensure that this is cleaned up, which is often a tedious and costly process. This is where the Fuel Spill Liability and Wreckage Removal coverage offered by Louisville Boat Insurance comes in handy. As a boat owner, you can avail of this coverage to protect yourself from the financial burden of cleaning up spills and removing wreckages. 

Personal Effects

The Louisville boat insurance policy has got you covered for a range of personal effects. This includes items such as clothing, cell phones, sporting gear like scuba and snorkeling equipment, and fishing equipment. The limits of coverage may differ depending on the state. So, please get in touch with us to confirm the requirements in your areas. However, please note that jewelry, watches, and furs are not included under personal effects coverage.

Unattached Equipment Coverage

This coverage takes care of any repair or replacement expenses for equipment that's not permanently attached to your boat or personal watercraft but is primarily meant for boat usage. That includes lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, and more.

Emergency Assistance

This means you are covered for towing, labor, and delivery of essential items such as gas, oil, or loaned batteries if your watercraft malfunctions while on the water. The Emergency Assistance Package is available to offer reliable coverage in times of need. Trust us to provide you with the peace of mind you deserve while you're out enjoying your time on the water.