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Home » Watercraft & Boat Insurance in Fairfield, OH

Watercraft & Boat Insurance in Fairfield, OH

Boat insurance can help provide crucial financial protection if you are involved in a boating accident or your watercraft is damaged. Contact 1st Choice Insurance today for a personalized boat insurance quote.

What Does Boat Insurance Cover?

Navigating the waters should come with a sense of freedom and peace. At 1st Choice Insurance, our agents typically recommend the following boat insurance coverage:

  • Collision and comprehensive insurance—May help pay for repair or replacement costs if your boat is damaged in an accident or incident.
  • Liability insurance—This may help cover third-party accident claims for injury or property damage.
  • Personal property insurance—Secure your personal items on board, such as fishing gear, electronics or equipment, against theft, loss or damage.
  • Towing and assistance—If your boat breaks down, this policy may help cover on-water towing, fuel delivery and other emergency services.
  • Uninsured/Underinsured watercraft—This may help provide financial protection against boaters who may not have sufficient insurance in case of an accident.

What Boat Insurance Do I Need?

Ohio does not explicitly require boat owners to have boat insurance. If you have a loan on your boat or use a marina, the lender or marina might require you to have liability insurance.

Even if not universally mandated, specific state parks or waterways in Ohio may have regulations or requirements concerning insurance.

Consult your agent to confirm that your boat insurance complies with local laws and your lienholder’s requirements. Rules and requirements can change, so it’s essential to ensure you have the latest information.

Contact Us

Contact 1st Choice Insurance in Fairfield, OH, for appropriate boat insurance coverage.