Boat & Watercraft Insurance in AZ & OH - Save More Today
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PJS Insurance Services
Peter Schumacher AINS, AIS
Serving Mesa, Gilbert and Queen Creek, Arizona. We also serve Toledo and Sylvania, Ohio. PJS Insurance Services should be your first and last stop when looking for Boat insurance.
This Boat insurance explained article provides more information and answers the question "Do you need Boat insurance in Arizona or Ohio?" and helping you meet your Watercraft Insurance needs. If you have more questions, feel free to call or Request More Information.
As covered on the main Auto Insurance Basics page , there are some basic coverages that may be required by the State you live in. There are additional coverages that can be customized to provide more protection for pennies on the dollar and we cover those here.
PJS Insurance Services can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.
Arizona & Ohio Boat Insurance– Do you know what to look for in a Watercraft policy?
Do I need Boat insurance in Arizona or Ohio?
While Arizona & Ohio does not require you to have boat insurance, your lender might. If you purchased a new boat and had to finance it, your lender might have certain stipulations for loaning you the money. By requiring you to have insurance, it protects their investment in case you total your boat.
PJS Insurance Services can help you determine the right amount of coverage to meet your specific needs. Just give us a call today at (602) 750-0616 in Arizona or (419) 318-9130 for Ohio boaters to get started. Here are some items you’ll need to consider when shopping for boat insurance.
- Navigational Area:
Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.
- Agreed Value Coverage:
Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
- Medical Payments
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
- Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
- Uninsured/Underinsured Watercraft Bodily Injury
Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Fuel Spill Liability and Wreckage Removal
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.
- Personal Effects
Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with PJS Insurance Services for information. Personal effects coverage does not include jewelry, watches or furs.
- Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.
- Emergency Assistance
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
Now serving Toledo, Sylvania, Ottawa Hills and the state of Ohio. PJS Insurance Services offers you more choices and customized coverages at the lowest price. Call (419) 318-9130.
"There is a difference. To find out how our Independent Insurance Agency can help you find the best Arizona Boat insurance coverage, please contact PJS Insurance Services today. Give us a call at (602) 750-0616 or
Auto Insurance in Arizona or Ohio - have more questions?
Call PJS Insurance Services today. Or feel free to go to the main Auto Insurance Basics page for more information. There are a lot of different types of coverages for a lot of different types of vehicles. Here to help with the lowest prices from the best companies.