If you live in the Abilene, Kansas area, you know there are many beautiful lakes and rivers where it’s great to take your boat out for a ride. But owning a boat means you need to be responsible, too. Fortunately, boat insurance can protect you from many unexpected occurrences, including those out of your own control.

Every boat owner has different needs. That’s why we at Smart Insurance offer an array of boat insurance products. As independent agents, we have access to hundreds of products that can give you the security you need every time you put your boat in the water. We love educating our customers about all the different elements of boat insurance available to them.

• Agreed value coverage: We agree on a value for your boat in the event it is stolen or made a total loss by damage.

• Deductible: This is what you pay first before your insurance kicks in, in the event a claim is filed.

• Navigational area: This is the operational area where your boat will be covered.

• Liability: If you are in an accident and found to be at fault, this covers a spectrum of expenses for other parties, including medical care, lost wages, and damaged property.

• Medical payments: This insurance offers coverage for you and any passengers, plus tubers and water skiers, if any of you are injured in an accident, regardless of who is at fault.

• Physical damage coverage: This coverage reimburses for repair or replacement of your boat, as well as its motor, permanently attached equipment, and boat trailer.

• Uninsured/underinsured watercraft bodily injury: This type of insurance provides broad coverage if you are in an accident with a boater who is either uninsured or underinsured.

• Fuel spill liability and wreckage removal: This covers the expense of cleanup if your boat is damaged or sinks, pursuant to local laws.

• Personal effects: If your personal property on your boat, such as clothing, cell phones, or sporting gear, is lost or damaged, personal effects coverage can reimburse you.

• Unattached equipment coverage: This protects unattached equipment, such as life-saving equipment and oars.

• Emergency assistance: Just like roadside assistance for cars, this type of coverage helps you out if you are stranded, with a tow, gas delivery, or a replacement battery.

To learn more about boat insurance and set a policy that’s right for your needs, give us a call at 800-249-1920 or reach out online to request a quote. Your boat is a big investment, so protect it well. Get in touch today.

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