Boat and watercraft insurance in Easton, PA, can help cover costs such as property damage in the event of an accident. While many people choose to insure their watercraft, including jet skis, it’s essential to understand the legal requirements. Always research thoroughly to determine whether you need a specific type of insurance.

Legal Requirements

In Pennsylvania, you are typically not legally required to carry insurance for watercraft. However, if you are financing a boat or watercraft, your lender may require you to maintain insurance. Additionally, many marinas mandate liability insurance to park your boat or watercraft in their facilities in case of an accident.

When You Need Insurance

Even if it’s not legally required, obtaining an insurance policy through a company like Northeast Insurance Advisors LLC can be beneficial. Boat insurance can cover property damage, medical expenses, and wreckage cleanup. Many policies also include towing services if your boat breaks down while on the water.

Full coverage insurance can provide financial protection for damages to your watercraft in the event of an accident.

When You Don’t Need Insurance

There are situations where insurance may not be necessary. For instance, small rowboats and other inexpensive watercraft that are unlikely to cause significant damage may not require full-coverage insurance. In many cases, the deductible for such insurance may exceed the replacement value of the watercraft.

An agent at Northeast Insurance Advisors LLC can help you decide whether an insurance policy is right for you. Instead of immediately trying to sell you a policy, we take the time to understand your situation and provide personalized solutions tailored to your needs. Contact us today. We proudly serve the Easton, PA, area.