Boat insurance

Boat insurance

 

 

Boat Insurance

Get specialist boat insurance for as little as $100 per year.

 

Boat insurance is made simple with United Precious Insurance.

On any lake, river, and in the ocean up to 75 miles from the coast, we grant you the freedom to go boating wherever you like in the United States. Additionally, we waive the typical conditions and limitations that other insurers might impose on you, giving you the security you need to start using the water right away. For instance, we don’t need a maritime survey or navigation plan, which may be about $600 for a 30-foot boat.

 

Bass Boat Insurance

Get your bass boat insured for as low as $100 per year.

Among the boat types we insure most frequently are bass boats. We’ll assist keep you and your boat safe whether you use it for fishing, wildlife observation, or simply cruising in shallow waters. Get the appropriate coverages at a reasonable price by requesting a bass boat insurance quote online.

 

Do bass boats require insurance?

Only a few jurisdictions have laws requiring boat insurance, but if you want to safeguard your bass boat from physical harm, you’ll need a comprehensive and collision boat insurance policy. Additionally, liability insurance can cover any losses or injuries you caused if you are found at fault in a boating accident.

 

The benefits of bass boats

• Easy to use and maintain
• Frequently includes a trolling motor so you can maintain control of a fishing rod with both hands.
• Compared to other boats that are higher off the water, it might not be as susceptible to wind gusts.
• Relatively simple to store and transport
• Usually more affordable than larger fishing boats

 

What you need to know about bass boat insurance

• You may add coverage for your power poles, fish finders, and fishing gear.
• United Precious Insurance provides coverage for the trailer of your bass boat.
• Typically, rust to your watercraft’s hull or manufacturing flaws are not covered by boat insurance.

 

How much is insurance for bass boats?

With United Precious Insurance, you can insure your bass boat for as little as $100 per year. We have many discounts for boat insurance to help you save money, one of which is for getting a quote at least a day in advance.

 

What is covered by bass boat insurance?

You can always get the essentials, such as liability insurance to protect you in the event that you cause a boating accident and comprehensive/collision insurance to protect your watercraft from physical harm. However, the best bass boat insurance will include unique coverages to protect your boating adventures. Here are a few typical bass boats.

 

Coverages available to our clients

Coverage for mechanical breakdowns with Propulsion Plus®

If you purchase Propulsion Plus coverage, we’ll cover the cost of repairing or replacing the lower unit of the outboard engine on your bass boat if it breaks down mechanically. Even if the damage results from normal wear and tear, you are still protected.

Coverage of fishing equipment

For fishing rods, reels, tackle boxes, etc., you have the option of choosing full replacement coverage up to $10,000. Additionally, you may add personal effects coverage for items you keep aboard your boat like phones and SCUBA equipment. Your belongings are protected if they are lost, stolen, or damaged while on your yacht.

Break in the trailering journey

If your boat trailer or tow vehicle breaks down more than 100 miles from home, United Precious Insurance will pay your food, hotel, and other transportation costs (up to $500) for a low annual fee of just $10.

 

Limits of bass boat insurance

All types of bass and fishing boats are covered by our insurance, but there are some restrictions, such as:

• Commercial fishing vessels (we do offer insurance for tournament usage unless that is your major job).
• Bass boats capable of travelling beyond 90 mph
• Rental boats
• Kit-based homemade boats

 

Personal Watercraft Insurance

For your Jet Ski, WaveRunner, or SeaDoo, obtain a PWC insurance quote.

Personal watercraft (PWC) offer thrills you often won’t find in a boat thanks to their speed, manoeuvrability, and inboard jet drive. You can ride safe because UPI insures almost all popular PWC models, including Jet Skis, WaveRunners, and Sea-Doos. Get the appropriate coverages with a cost-effective personal watercraft insurance policy from United Precious Insurance before you go boating.

 

Do I need PWC insurance?

Only a few jurisdictions require boat insurance, but if you’re at fault in an accident on the lake or damage your watercraft, PWC insurance is crucial.

What is the price of PWC insurance?

Cheap Jet Ski, WaveRunner, or Sea-Doo insurance is available from UPI for as little as $100 every year. When you get a quote, we will present you with a number of discounts, one of which is for adding more than one PWC to your policy.

• If your state does not have an age requirement, make sure any minors who will be frequently using your PWC are noted on your policy as listed operators. Most jurisdictions have age restrictions for operating a PWC.
• Be honest about any improvements you’ve made to your personal watercraft (PWC), as some alterations may prevent your insurer from providing coverage for it.
• The hull identification number is required to purchase a PWC coverage; but, if you don’t have it on hand, you can still obtain a quote by knowing the year, make, and model of your PWC.
• A boater safety course might reduce your insurance premium.

 

What is covered by PWC insurance?

Up to a certain extent, your insurance may provide coverage for injuries suffered by you and your passengers in an accident for which you bear some of the blame. Additionally, you can get medical payments insurance, which will assist pay for your and your passengers’ accident-related medical expenses, regardless of who is at blame and up to the limits of your policy.

 

Insurance policies from PWC

You can choose coverages and tailor your protection when you get a quote from United Precious Insurance.

 

High limits

Up to $25,000 in medical payment coverage limits are available. Regardless of who is at blame, medical payments can cover injuries to you, your friends, and family members if they are sustained while using your PWC.

 

Cost of replacing personal effects

Your personal property, such as clothing, sunglasses, and cell phones, is covered up to $5,000. If we are unable to restore your damaged items, we will pay the price of new ones instead (similar model).

 

Total loss protection

Within the first three model years, if your PWC is deemed a total loss, we’ll send you a check for the price of a brand-new one (MSRP of the current year model). We’ll reimburse you the real cash value of your PWC in the event of a total loss if it is older than three model years.

 

prolonged navigation

Without restrictions on where you can boat, enjoy utilising your PWC anywhere in the US or Canada.

 

Providing emergency roadside services

When your covered trailer or the tow vehicle is harmed or rendered inoperable, towing to the closest authorised repair facility is offered at no additional cost. Utilizing this coverage normally entails no out-of-pocket expenses.

 

 

Pontoon Boat Insurance

Pontoon boat insurance as cheap as $100 per year

Pontoon boats are nimble, roomy, and adaptable watercraft that are simple to customise for any activity you choose to engage in. Almost any kind of pontoon boat, including standard pontoons, tritoons, and luxury pontoons, is insured by UPI. Additionally, they are surprisingly inexpensive, and pontoon insurance is no exception. Online quotes for pontoon boat insurance will get you protected right away.

 

Is insurance required for a pontoon boat?

Only a few states require boat insurance, but it’s crucial to safeguard both you and your vessel before you set sail. If your boat is damaged or you are responsible for the injuries or damages of another person, you’ll want to be insured.

 

Positive aspects of pontoon boats

• Improved handling: hydraulic steering makes navigation simple
• Flexibility: can be used as both a fishing boat and a ski boat.
• Storage: Compared to traditional boats, pontoons often offer more space.
• Less upkeep: Aluminum decking is straightforward to clean

 

What to keep in mind while purchasing pontoon boat insurance

• For the most accurate price, know your pontoon’s year, make, and model; you’ll need the hull identification number to begin an insurance.
• You may add coverage for your skiing and fishing gear.
• Your pontoon boat insurance premium may be reduced if you complete a boater safety course.
• We provide coverage for the trailer of your pontoon boat.

 

How much is insurance for pontoon boats?

Your pontoon can be insured for as little as $100 per year. There are many boat insurance discounts available from United Precious Insurance, including one for having boat insurance with another provider.

 

Powerboat Insurance

For only $100 a year, you can cover a range of uses.

Runabouts and yachts are both considered powerboats, commonly known as motorboats. They are utilised for a variety of activities, including fishing and water sports, but they all share a strong propulsion system. Before you take to the water, ensure sure you and your speedboat are fully insured because speed increases the danger of accidents.

You can acquire immediate coverage by requesting a powerboat insurance quote online. Listed below are a few of the popular powerboats we cover:

• Bass and fishing boat
• Bay boats
• Bowriders
• Center consoles
• Cruisers
• Cuddy cabins
• Deck boats
• House boats
• Jet boats
• Ski/wake boats
• Walkarounds

 

Do powerboats require insurance?

Several states don’t mandate boat insurance. However, since some motorboats may reach high speeds of up to 75 mph, it’s advisable to have boat insurance in case of an accident. In addition to protecting your powerboat from physical harm, you should think about liability insurance in case you are held accountable for someone else’s injuries or property losses while boating.

 

What to keep in mind when purchasing powerboat insurance

• You need the hull identification number to start a boat insurance policy, but you can still get a quotation if you know the year, make, and model of your powerboat.
• We will ask about your powerboat’s hull length, hull material (often fibreglass or aluminium), and propulsion type (inboard, outboard, or inboard/outboard) if the boat manufacturer isn’t specified when you start your quote.
• Finishing a boater safety course might result in cheaper insurance costs.
• You’ll have the choice to insurance the trailer for your powerboat.

 

How much does yacht insurance cost?

A yacht insurance policy with United precious insurance starts at $100 per year. Your specific fee will depend on a variety of criteria, such as the type of powerboat you have, your previous boating experience, and your location. We provide a number of discounts for boat insurance, including one for being the first owner of a powerboat, to help you save money.

 

Sailboat Insurance

Get a quote today and insurance as low as $100 per year.

With fewer restrictions and more freedom to sail, we strive to make purchasing yacht insurance as straightforward as possible. We’ll insure practically any kind of vessel, even ones that don’t quite fit the description. United precious insurance will still provide coverage if you sailboat racing. Before you set sail, protect yourself by requesting an online price for sailboat insurance.

 

A sailboat need insurance, right?

Only a few jurisdictions require yacht insurance, but you should probably cover your sailboat from bodily harm. Liability insurance is crucial for all boaters in case you end up being held accountable for someone else’s injuries or property damage while boating.

 

What you need to know about sailing boat insurance

• To get the most accurate price, have your sailboat’s year, make, and model handy. You’ll also need the hull identification number to begin a policy.
• On occasion, we’ll inquire about the length, material (often fibreglass or aluminium), and propulsion style (inboard, outboard, or inboard/outboard) of your yacht.
• Your sailboat insurance premiums can be reduced if you finish a boater safety course.
• You’ll have the choice to insure the trailer for your yacht.

 

What is the cost of yacht insurance?

Sailboat insurance from United precious insurance starts at just $100 a year.

Remember that your price will depend on your location, yacht type, and sailing experience.

The numerous boat insurance discounts offered by United precious insurance, including the one for enrolling multiple watercraft on your policy, will help you save money.

 

What is covered by sailboat insurance?

The finest sailboat insurance plans will offer extra special features and alternatives for coverage in addition to the fundamentals, such as liability, comprehensive, and collision coverage. Here are a some of the unique protections that United precious insurance provides to safeguard you and your sailboat:

 

Partial losses are not depreciated.

United precious insurance covers the costs of restoring your vessel to better-than-pre-accident condition. Consider the scenario where an insured loss results in damage to your sail. It is more aged and is currently worth $350. A new one, though, costs $1,000. If we are unable to properly fix it, we will replace it. This coverage is included at no additional cost and covers rigging gear, sails, electronics, and more.

 

Accepted value protection

The value of a sailboat varies greatly based on its model, customizations, age, and perhaps even its antique value. Therefore, we provide agreed value coverage to ensure that your yacht is completely covered, right down to the last dollar. The value of the watercraft indicated on your insurance, not a depreciated figure, will be paid to you if your sailboat sustains irreparable damage in a covered incident.

 

cleanup of debris and gasoline spills

If removal from the water is required by law, United precious insurance will pay the removal costs for your sunken yacht. Even if your boat doesn’t sink, we’ll still cover the cost of cleaning up a gasoline spill.

 

limits of sailboat insurance

Although we insure the majority of sailboats and even cover racing, we do have some restrictions, such as:

• Sailboats longer than 50 feet and costing more than $350,000
• Homes that are primarily sailboats (live aboards)
• Sailboats that fall short of U.S. Coast Guard criteria as published
• Steel or wood hulls