The Pivotal Insurance Agency LLC

217 West Main Street,
Louisa, VA 23093

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What Are the Most Common Types of Boat Insurance?

Have you recently purchased a boat or other type of watercraft? If so, you’ll want to get boat insurance right away. Get assistance about the types of insurance coverage as well as other matters related to boat insurance by discussing it with an agent from The Pivotal Insurance Agency LLC of the Louisa, VA area. 

Customize Your Policy

Many boat insurance policies allow you to customize it to your liking. This way, you will be able to get a policy that meets your individual needs. Even though this is the case, there are several insurance packages that may already align with what you need. 

Standard Boat Insurance 

This is a policy that is considered a step up, meaning it’s the basic level of coverage. They typically offer diminishing deductible, higher amounts of liability and property insurance, value settlement, and hurricane haul-out coverage. 

Discount Boat Insurance 

This offers you lower coverage amounts when it comes to property and limited liability insurance. It’s best for when you encounter minimal risk situations and for boat storage purposes. 

Personal Watercraft Policy 

You would use this policy if you have a smaller boat or a watercraft that’s meant for only one user. Since it matches the lower value of small watercraft, it is usually inexpensive. 

Classic Boat Policy 

This is an ideal option for insurance if you have a boat that’s over 26 years old. Use it with vintage, antique, or collector boats that you don’t use as often. 

Performance Boat Insurance 

This is best suited for boats that are equipped to go at high speeds that tend to have higher risks associated with operating them. It includes additional coverage levels such as boat lift and hoist coverage. 

Consider Your Boat Insurance Policy Options 

When you need boat insurance, look no further than The Pivotal Insurance Agency LLC. Serving the greater Louisa, VA area, this agency welcomes new customers at any time. Reach out to us today to get started with the process.