Covering you from accidents, breakdowns, and other crazy boaters.
Is Boat Insurance Required in Arizona?
In Arizona, you are not required to have boat insurance in order to register your boat.
Since a boat can be a large investment, you might want to consider purchasing boat insurance to help protect you from the various risks that comes with owning and operating a boat.
What Coverage Do I Need?
The coverage you need will vary depending on your type of watercraft–whether you have a fishing boat, ski boat, or pontoon. Your other insurance policies (e.g. home or car insurance policy) likely won’t provide the coverage you need to insure your boat. A specialized boat insurance policy can provide the protection you need for your boat, yourself, and your accessories.
Know the limits of your boat insurance policy. Some policies only cover you if you are close to home—a fact you don’t want to find out after an accident occurs. You may also not be covered while towing your boat unless your policy specifically covers tow vehicles. You may also want to keep your boat insured year-round.
Insurance coverage options vary based on the size and type of your watercraft. These coverage options include:
Limited liability protection – This protects you in case you cause injuries or damage to another person or their property.
Physical damage coverage – This protects your boat if it is involved in a collision or hits an underwater object.
Replacement coverage – This can be either full replacement coverage or actual cash value coverage.
Your Ensign & Associates insurance agent can explain what is covered by your policy.
Ensign & Associates are here to make sure your boat insurance does its job: keeps you protected in case of an accident. We can do the shopping for you, apply applicable discounts, and – most importantly – make sure you have the right policy for your situation.
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