What does boating insurance cover?

Boating insurance typically includes coverage for liability, physical damage, medical payments, and uninsured boaters.

Is boating insurance required in Colorado?

While not legally required in Colorado, many marinas or lenders may require proof of coverage.

Yes, but coverage may depend on your auto policy. Boating insurance focuses on water-related risks, so verifying your auto policy is essential.

Yes, you can add coverage for personal items and accessories stored on your boat.

Many insurers offer discounts if you complete a boating safety course or bundle your boating policy with others, like home or auto insurance.

Comprehensive coverage typically protects against events like storms, theft, and sinking, but it’s best to confirm the details of your policy.

Can I insure accessories like fishing gear or navigation equipment?
Yes, you can add coverage for personal items and accessories stored on your boat.
Are there discounts for safety courses or multiple policies?
Many insurers offer discounts if you complete a boating safety course or bundle your boating policy with others, like home or auto insurance.
Does boating insurance cover natural disasters or sinking?
Comprehensive coverage typically protects against events like storms, theft, and sinking, but it’s best to confirm the details of your policy.