Watercraft
Ocean, sea, lake or stream-enjoy every body of water.
Although your boat or personal watercraft may be covered by your homeowners policy, it may exceed policy size and value limits. In this case, it's probably time to consider Boat or Watercraft insurance.
Boat and Watercraft insurance goes beyond the scope of a standard homeowners policy to include Roadside Assistance, which covers towing of your boat or personal watercraft for free, as long as your trailer is covered; On-Water Towing, in case you're stranded on the water; and Uninsured Boaters coverage. You can also choose Fuel Spill Liability and Wreckage Removal coverage with watercraft insurance. Without these specialized watercraft insurance coverages, you may get hit with the bill for cleanups and removals. Personal Effects and Fishing Equipment coverages are also available.
Sail into the sunset-and still be covered.
With a watercraft insurance policy, you're covered at no extra charge on all inland lakes, rivers and navigable waterways of the continental United States and Canada, including ocean waters within 50 miles from the coast of the U.S. or Canada.
Think about replacement costs.
Similar to automobiles, boats and personal watercraft depreciate in value and your homeowners policy will only pay you actual cash value for your boat or personal watercraft. This might make it costly to replace your watercraft if it's destroyed. By purchasing Total Loss Replacement, the policy will replace your boat or personal watercraft with a brand new model if the loss is within the first five model years. Agreed Value coverage is also available regardless of the age of your boat or personal watercraft.
Talk to a Luster agent today. Then your safe to sail away.
