Is my boat covered under my homeowners policy?
No, your boat is generally not covered under your homeowners insurance. A separate boat insurance policy is needed to protect against accidents, property damage, medical costs, and more. Without proper boat coverage, you may be at risk for significant [...]
Does boat insurance cover on-water towing?
Yes, most boat insurance policies offer coverage for on-water towing, but the details vary by policy. Some policies provide direct towing services with no out-of-pocket costs, while others offer reimbursement after you pay for the towing. Check your policy [...]
What is fuel spill liability coverage?
Fuel spill liability coverage protects you if your boat accidentally leaks or spills fuel into the water, which can cause environmental damage. This coverage helps pay for cleanup and legal fees if you’re held responsible for an accidental spill. [...]
Does boat insurance cover mechanical breakdown?
Mechanical breakdown coverage is typically an optional add-on and may not be included in standard boat insurance policies. This coverage helps pay for repairs or replacement if your boat’s engine or mechanical systems fail due to wear and tear [...]
What does liability boat insurance cover?
Liability boat insurance covers you if you’re responsible for causing damage to someone else’s property or injuring someone while operating your boat. It helps pay for legal fees, medical bills, and property repairs if you're found at fault in [...]
How long does it take to process a boat insurance claim?
The time it takes to process a boat insurance claim depends on the complexity of the incident and the type of claim. Simple claims may be resolved within a few days or weeks, while more complex claims can take [...]
What should I do immediately after a boat accident?
After a boat accident, ensure everyone's safety first. Once safe, take these steps: Check for injuries and call for medical assistance if needed. Report the accident to the local authorities or coast guard, if required. Document the scene by [...]
Will filing an insurance claim affect my premium?
Filing a claim may affect your boat insurance premium, depending on the nature and severity of the claim. If you have a loss-free discount, filing a claim may result in losing that discount, which could increase your premium. Multiple [...]
What does boat insurance typically cover?
Boat insurance typically covers a variety of risks, including: Physical Damage: This covers repairs or replacement if your boat is damaged by events like storms, accidents, fire, theft, or vandalism. It includes the boat itself, engines, and often trailers [...]
How can I contact you?
You can reach us by phone, email, or live chat: Phone: (513) 653-3800 Email: Sales@OnTheWaterMarine.com Live Chat: At the bottom of this page, you can access our live chat option during normal buisness hours until 5pm each weekday. If [...]