Watercraft & Boat Insurance in Worth, IL
Owning a boat in Worth, IL, means enjoying endless adventures on the water. However, it also comes with risks such as accidents, theft and natural disasters, making boat insurance essential. It can help cover property damage, medical expenses and other unexpected costs. At Harlem Insurance Agency, we’re here to help you find the right coverage to protect you financially. Contact us today to explore your options.
What Does Boat Insurance Cover? 
Boat insurance coverage varies depending on the policy you choose. Common coverages include:
- Liability coverage—This can cover expenses if your boat causes third-party injuries or property damage.
- Medical payments coverage—This may cover medical expenses if you or a passenger are injured on your boat.
- Hull coverage—This can financially protect your boat from physical risks such as collisions, theft or vandalism.
- Uninsured watercraft coverage—This can cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.
Additional coverage options may be available. Our agency can help you learn about potential coverages to include in your boat insurance policy.
How Does This Work?
Boat insurance can help cover expenses from covered incidents and damage based on your policy’s limits and deductibles. When you purchase a policy, you choose the coverage types, coverage amounts and deductibles (the amount you pay out of pocket for each claim).
Is This Coverage Required?
In Illinois, boat insurance is not legally required for recreational vessels. However, if you finance your boat or dock it at a marina, insurance might be mandatory. Even without a legal requirement, having insurance is highly recommended to help protect against potential financial losses.
How to Get Boat Insurance
Harlem Insurance Agency in Worth, IL, is ready to help you learn more about boat insurance. Contact us today to request a quote.