We'll show you what coverages may be available and how to get the personalized protection you need. Whether you're a lifelong boater or are just getting started, it's smart to take a close look at your marine insurance coverage.
Our boat insurance is packed with ways to protect what you care about-even when you're 100 nautical miles out.
The Warren Gray Agency offers boat insurance features that reward you for things you may already do.
You've got more than just your boat to worry about. What about the anchor, life jackets, navigation aids, and everything else that helps you operate the boat?
Well, that's what this coverage is for. When you get Physical Damage coverage, your equipment and accessories are automatically covered for up to 10 percent of your personal watercraft's value. If you want more coverage than that, you can tack extra onto your policy.
Need a tow? $100 of Emergency Service coverage is automatically included with any boat insurance policy that has Physical Damage coverage.
It can also cover labor costs at the place you break down-for a mechanic, or to have fuel, oil, or a battery delivered. If you want to raise the limit to $500 or $1,000, you can add that extra coverage to your policy.
The Warren Gray Agency boat insurance has you covered up to 100 nautical miles off the coast of the U.S. and Canada.
If your personal watercraft is destroyed, raising, removing, or destruction of the boat will typically be covered-up to an additional 5 percent of your Physical Damage coverage limit.
They aren't technically considered boating equipment, but don't your water skis, fishing gear, and other things like that deserve to be covered? We think so.
Keep in mind that Personal Effects coverage doesn't cover money and valuables, animals, boats or other boat equipment, contact lenses, or prosthetics. It also excludes things that are covered by insurance in some other way (as part of this policy or a different one). Talk to your agent to find out what this coverage takes care of.
If you want to go the extra mile to make sure your boat or jet ski is covered, the Premier option might be for you. This package includes Uninsured Watercraft coverage, $1,000 of Emergency Service coverage, and can help pay for damages to your boat.
If your boat is damaged, but not totaled, the Repair Cost Option typically covers the boat, motor, boat equipment, and trailer with no deduction for depreciation.
Uninsured Watercraft coverage isn't offered on its own; the Premier Option and Premier Plus Option are the only way to get it. Also, to get these options, your policy needs to include Physical Damage coverage.
The Premier Plus Option has all the benefits of the Premier Option. What's the difference? Premier Plus is the only way to get the Agreed Value Option for your Physical Damage coverage.
Say your boat or jet ski gets totaled. If it's worth a lot less when it goes down than what you paid for it, you're out a big chunk of change. Ouch. But with Agreed Value, your coverage will typically pay up to the value you originally listed on your policy. It's a way of protecting your investment no matter what the market value of your boat is.
Here's some easy money. If your auto insurance is with The Warren Gray Agency, you could save money on your Liability, Medical Payments, and Physical Damage coverages, thanks to our Multi-Policy Discount.
To get this discount:
- The boat and auto policies have to be from the same state.
- Both policies need to list either you or your spouse.
- The auto policy needs to cover a private passenger vehicle.
That shiny new boat could save you some green. And the newer the boat, the higher your discount can be. With The Warren Gray Agency's New Boat Discount, you could save on your Physical Damage coverage.
Taking a boating safety course is a smart idea no matter what-getting a discount for it is just icing on the cake. The Warren Gray Agency's Boat Education Discount gives you credit for doing just that.
For the course to count, it has to be sponsored by an approved organization like the U.S. Coast Guard Auxiliary or the United States Power Squadrons®. A state course also counts if it's approved by the National Association of State Boating Law Administrators (NASBLA) and recognized by the U.S. Coast Guard.
With the Diesel Engine Discount, You could save on the cost of your Physical Damage coverage just for having boat or jet ski powered by a diesel engine.
No matter how much water you're floating on, a fire aboard your boat could destroy it. If you’ve got an automatic fire suppression system installed on your personal watercraft, the Automatic Fire Extinguisher Discount can save on annual premiums.
Every boat's got a different story. You can put together a boat insurance policy that fits your style and your personal watercraft perfectly.
There's no way around it: When you're out on the water there's always a chance that something might go wrong. One of the most important things you can do is make sure you'll have help with medical bills if you should get hurt in an accident.
If you or someone in your household gets injured on a boat covered in your policy, this coverage typically helps take care of the medical expenses that come afterward.
When you're in the boat, you're covered-and so are your passengers. Water-skiers being pulled behind the boat are also covered. If you or your passengers should get injured by another boat while swimming near your boat, Medical Payments coverage typically kicks in then, too. The limit you choose for this coverage will decide how much that coverage could be.
When something goes wrong, good boat insurance coverage could mean the difference between sinking and swimming.
This optional coverage typically takes care of your boat, motor, and trailer all the time-when you're storing it, hauling it, launching it, or out on the water. If it's stolen, vandalized, or damaged by wind, hail, lightning, fire, or explosion, this coverage can help. It also covers emergency service (up to $100), wreck removal, and other boat equipment.
You can choose a different amount of Physical Damage coverage for each boat on your boat insurance policy. You'll also need to choose a deductible. (If you have to file a claim, that's the amount of money you'll need to pay before your coverage kicks in.) You can pick a different deductible for each boat on your policy.
If you're in an accident, there's a good chance someone else was involved. And if you're at fault, you'll want strong liability coverage.
Even the safest boat operator can have a bad day. And this coverage typically makes a big difference If you or someone else in your household has a boating or jet ski accident that:
- damages a dock,
- damages another boat, or
- injures someone else (including a swimmer or water skier).
Want a lot of coverage, or just a little? It's your call.
Being out on your boat puts you further from help than you might expect, even if you’re just a few hundred feet from shore. Play it safe by following the guidelines below. But don’t stop there—learn as much as you can about boating safety from reliable sources like the U.S. Coast Guard Auxiliary and the United States Power Squadrons®. (You can even get a discount for certain courses.)
Every experienced boater knows: Following basic boat safety rules can be a lifesaver.
- Know where you're at and where you're going.
- Watch out for changing weather, and give yourself enough time to get to safety if needed.
- Scan the horizon to keep from getting tunnel vision, which could keep you from seeing another boat.
- However slow you need to go to avoid colliding with another boat, stick to that speed.
- Get comfortable with federal and state regulations, and follow them. (That includes paying attention to waterway markers.)
- Keep in mind that if you're driving a jet ski, you might be less visible to other boaters
You're out on the water and a storm rolls in. Do you know what to do?
- Have everyone on board put on their PFDs and sit in bottom of the boat near the centerline.
- Slow the boat down, but don't stop completely.
- Keep the bilge pumps running.
- Turn on the boat's running lights.
- Point the bow of boat into the waves at a 45-degree angle.
- If there's a safe shore nearby, head for it.
- If the boat's engine dies, trail the anchor from the bow so the boat will keep heading into the waves.
- If you need to, anchor the boat completely.
Being out on your boat puts you further from help than you might expect, even if you're just a few hundred feet from shore. Play it safe by following the guidelines below. But don't stop there-learn as much as you can about boating safety from reliable sources like the U.S. Coast Guard Auxiliary and the United States Power Squadrons®.(You can even get a discount for certain courses.)
Heading for open waters? Taking good care of your personal watercraft, engine, and safety equipment while the craft is docked will make for smooth sailing later on.
- Give your boat a full check-up from bow to stern. Test the radio, lights, steering, gauges, fuel level, bilge pump, and anchor.
- Make sure you've got the right safety equipment on board, that it's in good shape, and that you know how to use it.
- File a float plan with a relative or friend.
- Know your boat. Get familiar with its controls and how it handles, so you won't be surprised when you're out.
- Check the weather forecast.
- Make sure you have enough PFDs for all your passengers, and check that they fit right.
For more safety tips and maintenance information, check out the U.S. Coast Guard website.