Boat Coverages
When looking for the right boat insurance policy, there are definitely a lot of things to take into consideration. When it comes right down to it, do you really know what's covered under your current policy? If your trailer broke down on the highway, would you be covered? If you ran out of gas on the water, would your current company bring you fuel? Does you current policy cover the little things that add up.... like personal property and fishing gear? These are questions you don't want to ask come claim time.
18 Reasons Foremost is a great company for you and your boat:
- Financial Stability: Foremost has been a leader in the industry since 1952.
- Broad Underwritting: Foremost will accept most makes and models of boats 26 feet and less in length.
- Specialized Claims Service: Foremost has a special unit dedicated to marine claims. It's not just one of the things they do, it's all they do.
- Flexable Payment Plans: In addition to full payment Foremost offer different payment options to best suit your situation.
- Foremost.com: Foremost offers a website that not only highlights our programs but also has important information on boat safety and maintenance, how to file a claim, how to contact us and current company information.
- Other Specialized Programs: Foremost not only understands your passion for boating, as well as many other recreational vehicles. That is why foremost offers coverage for motorcycles, off-road vehicles, personal watercraft, motor homes and travel trailers.
- Agreed Value Hull Coverage: Foremost will cover your boat for an agreed amount. That means we will pay the amount of insurance if you have a total loss.
- Optional Actual Cash Value Hull Coverage: If you'd prefer a 10% reduction in your hull premium, Foremost can settle losses on an actual cash value basis.
- Deductable Options: You choose the deductable you want. Higher deductables are available to help reduce your premium payments.
- Optional Trailer Coverage: Foremost will cover your trailer for the ammount required to replace or repair your trailer up to the amount of insurance you purchase.
- Optional Towing and Assistance: Whether your boat is disabled on the water or while you're trailering it, Foremost will pay for emergency towing and labor up to the amount of insurance you purchase.
- Optional Personal Property Coverage: Foremost will cover personal property belonging to you or any of your guests while on board or being carried on or off the boat. Includes wearing apparel, sports equipment and fishing gear.
- Optional Personal Property Replacement Cost Coverage: This coverage will pay to replace valuables stolen or damaged beyond repair with items of like kind and quality.
- High Liability Limits Available: You can choose the limit you want for your particular circumstances.
- Pollution Coverage: Included in liability coverage. If pollutents are suddenly and accidentally discharged into the water from your boat and you are legally required to clean it up, Foremost will cover it up to your liability limit.
- Wreck Removal: Also included in the standard Family Boaters policy, we will cover the cost to recover or dispose of a sunken watercraft up to your liability limit.
- Optional Medical Payments Coverage: If anyone (including family members) gets hurt while in, upon, or leaving your boat, if this coverage is purchased, Foremost will pay the necessary medical expenses with no deductable. This coverage is available up to $5000 and includes water skiiers, wakeboarders, and tubers being pulled behind the boat.
- Optional Uninsured Watercraft Coverage: Foremost will pay compensatory damages because of bodily injury that you are legally entitled to recover from the owner or operator of an uninsured watercraft.