{"id":191,"date":"2021-07-05T11:04:44","date_gmt":"2021-07-05T18:04:44","guid":{"rendered":"https:\/\/pinecrestinsurance.com\/?page_id=191"},"modified":"2021-07-21T11:33:14","modified_gmt":"2021-07-21T18:33:14","slug":"boats-personal-watercraft","status":"publish","type":"page","link":"https:\/\/pinecrestinsurance.com\/products\/boats-personal-watercraft\/","title":{"rendered":"Boats &#038; Personal Watercraft"},"content":{"rendered":"\n\n\t\t<h2>\n\t\t\tBoat\/Personal Watercraft (PWC) Insurance\n\t\t<\/h2>\n\t\t\t<p>Boat and Personal\u00a0Watercraft insurance covers many kinds of boats. If you are looking for a specific coverage, like a waterski\/wakeboard boat, jet boat, personal watercraft, pontoon, or\u00a0bass boat insurance, a boat\u00a0insurance\u00a0policy\u00a0is what you will need. Your boat and personal watercraft\u00a0are not covered under your homeowner&#8217;s or renter&#8217;s policies. You will need a separate\u00a0policy\u00a0that provides a wide range of coverages. We are here to help pinpoint the appropriate coverages for your needs.<\/p>\t\t\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/auto\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/road-square-150x150.jpg\" alt=\"road-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Auto Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/motorcycles-atvs\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/motocross-square-150x150.jpg\" alt=\"motocross-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Motorcycle &#038; ATV Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/rv-motor-home-travel-trailers-campers\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/motorhome-square.jpg\" alt=\"motorhome-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>RV, Motor Home &#038; Travel Trailer Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\tWhat Is Insured?\n\t<ul>\n\t\t\t<li>\n\t\t\t\tSki\/Wakeboard Boat\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tCruiser\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tRunabout\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMini Jet Boat\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tSail Boat\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPontoon\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tHouse Boat\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tCabin Cruiser\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tOther Fishing Boat\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tBass Boat\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPersonal Watercraft &#8211; Sea Doo, Jet Ski, Wave Runner etc.\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tWhat Is Excluded from a Boat\/PWC Policy?\n\t<ul>\n\t\t\t<li>\n\t\t\t\tAny craft that has been modified to enhance speed and performance\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tOperation of PWC after dark &#8211; dusk to dawn\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tOperating a PWC when you do not have a valid driver&#8217;s license\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tWe Offer Plenty Of Specialized Insurance Options&#8230;\n\t<ul>\n\t\t\t<li>\n\t\t\t\tBodily Injury &#038; Property Damage Liability\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tUninsured Boater\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMedical Payments\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tComprehensive &#038; Collision Options\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPersonal Property\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tOn-Water Towing &#038; Labor Coverage Service\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPollution Liability Coverage\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tWatersports Liaibility\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tFishing Equipment\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tFuel Spill Liaiblity\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tWreckage Removal\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tWater Sports\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tNavigational Area\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tTowing and Assistance\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tTrailer Coverage\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tRoadside Assistance\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPet Injury Coverage\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tBoat\/PWC Insurance Discounts\n\t<ul>\n\t\t\t<li>\n\t\t\t\tClaims-Free Renewal\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tHome Ownership\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tIdle Assisted Steering\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMulti Vehicle\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tMulti Policy\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tOriginal Owner\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPaid in Full\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tResponsible Driver\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tSafety Course Completion\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tFrequently Asked Questions\n\t\t\t\t\tWhat is the difference between boat and yacht insurance?\t\t\t\t\n\t\t\t\t\t<p>If your vessel is up to 26 feet long, then it should be insured as a &#8220;boat&#8221;. If it is beyond 26 feet long, it is considered a &#8220;yacht&#8221; and requires broader and more specialized coverage.<\/p>\n\t\t\t\t\tIs my boat covered under my homeowner&#8217;s policy?\t\t\t\t\n\t\t\t\t\t<p>A separate policy should be purchased rather than adding an endorsement to your homeowner&#8217;s insurance policy. It often limits the risks associated with marine activities such as salvage of the vessel, the removal of wreckage, pollution, or environmental damage.<\/p>\n\t\t\t\t\tShould I cover for wreckage?\t\t\t\t\n\t\t\t\t\t<p>You should have a separate warranty for an amount equal to cover the rescue work. This covers you for the loss of your boat as well as expenses attributable to the removal of the wreckage.<\/p>\n\t\t\t\t\tHow much should I insure my boat for?\t\t\t\t\n\t\t\t\t\t<p>You should insure your boat for the amount it would cost you to replace it. This is called &#8220;Agreed Value&#8221; coverage. In the event of a total loss, it will pay the full insured amount and not take into account depreciation. Beware of &#8220;Actual Cash Value&#8221; (ACV) coverage because the replacement cost will be the value less depreciation. Note: Agreed Value coverage is not always available.<\/p>\n\t\t\t\t\tWhat is Personal Liability insurance?\t\t\t\t\n\t\t\t\t\t<p>Personal liability insurance will pay for the medical bills for a person injured while riding in your boat whether it is your fault or the fault of someone driving your boat.<\/p>\n\t\t\t\t\tWhat is Boat Damage insurance?\t\t\t\t\n\t\t\t\t\t<p>Boat damage insurance will cover you to replace your boat or repair it, depending on the severity of the damage and the coverage on your policy.<\/p>\n\t\t\t\t\tWhat is Optional Coverages for Personal Property?\t\t\t\t\n\t\t\t\t\t<p>Covers personal property such as fishing equipment, life vests, ropes, bumpers etc.<\/p>\n\t\t\t\t\tWhat is Comprehensive coverage?\t\t\t\t\n\t\t\t\t\t<p>Comprehensive coverage will protect you from loss other than collision, such as theft, vandalism, storms, fire, and falling objects.<\/p>\n\t\t\t\t\tWhat is coverage for uninsured or underinsured boaters?\t\t\t\t\n\t\t\t\t\t<p>Uninsured coverage protects you and your boat in case you get into an accident with an uninsured boater. If the boater is underinsured and the repair cost is more than the coverage the other person has, this will pay any cost coverage up to your policy limits.<\/p>\n\t\t\t\t\tWhat is Medical Payment coverage?\t\t\t\t\n\t\t\t\t\t<p>Medical payment coverage covers medical bills paid for you and your passengers even if you are at fault.<\/p>\n\t\t\t\t\tShould I purchase on-water towing coverage?\t\t\t\t\n\t\t\t\t\t<p>On-water towing will reimburse you for costs incurred from a mechanical breakdown or running out of gas.<\/p>\n\t\t\t\t\tShould I consider trailer coverage?\t\t\t\t\n\t\t\t\t\t<p>Yes, what would you do with your boat if you did not have a trailer?<\/p>\n\t\t\t<a href=\"tel:+18004006886\" role=\"button\" target=\"_self\" title=\"Call for Quote\" alt=\"Call for Quote\" onclick=\"\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCall 1-800-400-6886\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/contact\/\" role=\"button\" target=\"_self\" title=\"Call for Quote\" alt=\"Call for Quote\" onclick=\"\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tGet Quote\n\t\t\t\t\t\t\t<\/a>\n\n","protected":false},"excerpt":{"rendered":"<p>Boat\/Personal Watercraft (PWC) Insurance Boat and Personal\u00a0Watercraft insurance covers many kinds of boats. If you are looking for a specific coverage, like a waterski\/wakeboard boat, jet boat, personal watercraft, pontoon, or\u00a0bass boat insurance, a boat\u00a0insurance\u00a0policy\u00a0is what you will need. Your boat and personal watercraft\u00a0are not covered under your homeowner&#8217;s or renter&#8217;s policies. You will need &#8230; <a title=\"Boats &#038; Personal Watercraft\" class=\"read-more\" href=\"https:\/\/pinecrestinsurance.com\/products\/boats-personal-watercraft\/\" aria-label=\"Read more about Boats &#038; Personal Watercraft\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":36,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/191"}],"collection":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/comments?post=191"}],"version-history":[{"count":0,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/191\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/36"}],"wp:attachment":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/media?parent=191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}