Do you own a boat near Lincoln, NE? If so, Brokers Insurance Agency believes understanding recreational watercraft insurance is essential to protecting your investment. Whether you’re a seasoned boat owner or just purchased your first vessel, having the right insurance coverage can give you peace of mind while on the water. 

Types of Recreational Watercraft Insurance

There are two main recreational watercraft insurance coverage types: liability and physical damage. Liability coverage protects you if you are found responsible for an accident or injury while operating your boat. This coverage will pay for any damages or medical expenses incurred as a result. Physical damage coverage, on the other hand, covers damage to your boat and any equipment onboard, including electronics, engines, and sails.

What Does Recreational Watercraft Insurance Cover?

Recreational watercraft insurance policies can be customized to meet your specific needs. Most policies cover the following:

• Damage to your boat
• Damage to other boats, docks, or property
• Theft and vandalism
• Injuries to passengers or other boaters
• Towing and wreckage removal
• Emergency assistance and labor costs

Why You Need Recreational Watercraft Insurance

While owning a boat can be a fun and rewarding experience, it also comes with inherent risks. Collisions, weather, or theft can damage boats, and accidents can occur anytime. Without insurance coverage, you could be left with a substantial financial burden in an accident or damage to your boat.

In conclusion, recreational watercraft insurance is essential for any boat owner living in Lincoln, NE. Whether you’re out on the water for a weekend getaway or a long-term trip, having the right coverage in place will give you peace of mind and protect your investment. Call or email Brokers Insurance Agency today so we can set you up with the right boat insurance.