Boat/Watercraft Insurance

Suppose you enjoy boating and getting out on the water; in that case, you need always to make sure that you keep yourself protecting by obtaining insurance. We strive to get all boat and watercraft owners insured here at The Firebird Agency because we know that accidents do happen, and some may not be preventable.

Boat/Watercraft Insurance Requirements

Arizona does not require boat owners to obtain insurance like car insurance. However, you may come across a marina requiring you to show proof of insurance if you plan to keep your boat docked with them. This is why it is still necessary to obtain insurance even it is not required. If you financed your boat, you might also be required to show proof of insurance, depending on the company.

Coverage Options

There are several coverage options you can choose from to protect your boat or other watercraft, such as:

Collision damage- If your boat is involved in a collision by hitting another vessel, hitting an object in the water, or from vandalism or theft, physical damages are covered depending on the value of your boat.
Bodily injury liability- If you are found at fault for an accident that results in injury to another person, this coverage will cover the person’s medical expenses and lost wages concerning the accident.
Property damage- If you are responsible for damage to another person’s property, this coverage will protect you by covering the repair or replacement costs of the damaged property.
Uninsured boaters- If you are injured by another boater who does not have insurance, this coverage will cover you and your passenger's medical expenses, loss of wages, and legal fees.