Making Waves? Protect Your Boat

Winston-Salem, NC 1/1/2009

Many people believe sailboats or powerboats are covered under their auto or homeowners policies. But, for most insurers, that isn't the case. Consider this:
 
  • Typically, an auto policy won’t provide liability or physical damage coverage for a boat.
  • Most homeowners policies provide a limited amount of coverage for physical damage to boats. They also restrict automatic liability coverage to low-powered boats.
 
Large, fast motorboats, yachts and personal watercrafts such as jet skis and wave runners require a separate boat insurance policy. Boat insurance offers coverage for things like:
·         Bodily injury - for injuries caused to others, such as swimmers, jet skiers or other boaters
·         Property damage - for damage caused to someone else's property
·         Theft and vandalism – that can occur on land or in the water
·         Medical payments - for injuries to the boat owner, family members and others who are injured
 
ERIE’s Boat Protector Policy
With a policy from Erie Insurance, you’ll get comprehensive coverage that covers many types of losses. It will cover, for example, damages resulting from a collision, fire or lightening. ERIE offers:
  • Up to $500 in coverage for boating equipment and accessories at no additional cost
  • Payments up to $250 per occurrence for emergency towing to the nearest marina, if your boat is disabled or stranded on the water
  • $1,000 coverage of non-owned property
  • $500 fire extinguisher recharge
For an additional premium or fee, ERIE also offers optional coverage such as uninsured boater protection. This coverage protects you should you be involved in a boating accident caused by a hit-and-run boater or a boater who has no insurance. Credits are available, too, for things like radars, built-in fire extinguishing systems and ship-to-shore radios.
So, if you have a boat or are thinking about getting one, contact us. We will review your coverage and help ensure that your boat is properly insured.  Call 555-555-5555 [option to insert agency phone number].
 
 
ISU Wilson Insurance - Our Knowledge is Your Best Assurance™.

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What Our Customers Say!
Several months ago we had a flood in our home due to a defective valve in our guest bathroom. Needless to say we came home to a disaster. We immediately contacted our agent, Linda Welborn. Right on the spot she gave us the name and phone number of a company to call (Disaster One). They came out that evening (around 11:30pm) and worked through the following morning around 6:30am. They did an outstanding job! We were so impressed with their "sense of urgency" and "expertise" we assigned all of our repairs to their company. The insurance adjuster(Erie Insurance) cut no corners when it came to replacing damaged items. They issued repair orders on things we weren't even aware we needed to look for. They too did a great job in getting everything processed quickly. It's great to have such a Professional agent who treats us like we are her only customer. I have been so impressed with her outstanding customer service that I refer many people to your agency because of the great care and attention she gives to her customers. Thank you Linda for your outstanding service! We look forward to working with you in the years to come.
Linda Martinez, Merfin Systems, LLC

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