Watercraft & Boat Insurance in Fairfield, OH
Boat insurance is designed to help vessel owners manage financial losses when operating and maintaining watercraft. It can cover various risks on or off the water, including accidents, theft and vandalism.
How Does Boat Insurance Work? 
Boat insurance works through a formal agreement between the boat owner and the insurer. Once you select a policy and pay the premiums, your coverage is activated for a set term, often one year. If a covered event arises, you can submit a claim and relevant documentation, which the insurer will evaluate. If the insurer approves your claim, you may receive compensation to cover repairs, vessel replacement or medical costs, depending on the nature of the incident.
What Do Policies Cover?
Boat insurance policies may vary based on the owner’s specific needs. Consider securing coverage for the following:
- Medical bills, legal fees and other costs related to third-party injury or property damage that occur while operating your boat
- Repairs or replacement costs if events like fire, theft, vandalism, severe weather or collisions damage your boat and its permanently attached equipment
- Damage if you’re involved in an accident with an at-fault boater who either has no insurance or lacks sufficient coverage
- Medical expenses for you and your passengers following an accident, no matter who was at fault
- Repairs or replacement costs for your personal belongings inside the boat, including gear, clothing and other valuables that may be lost or damaged during a covered incident
Optional benefits, such as salvage coverage, tow trailer coverage, pollution liability insurance, and agreed value coverage, may also be worthwhile considerations.
Get Covered Today
Contact 1st Choice Insurance today so we can help you determine which type of coverage fits your lifestyle and budget.