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Comprehensive Watercraft Insurance with 
Direct 2U Insurance

Protecting Your Boats and Personal Watercraft in Ontario, California
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Direct 2U Insurance/ watercraft insurance

Watercraft Insurance Provided By Our Agency

Boats and personal watercraft are significant investments, but for those who love being on the water, they're well worth it. Even if boat insurance isn't required, protecting your vessel and crew is crucial.

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Hurricane
Watercraft breakdown
Property Damage
Uninsured Watercraft
Bodily injury liability

Hurricane coverage

Risk Factors

The marina where you dock your cabin cruiser is in the path of an approaching hurricane — you want to get it out of the water and hauled to a safe location as soon as possible.

Solution

Watercraft insurance helps with the cost of professional haul-out when a hurricane or tropical storm threatens your boat.

Watercraft breakdown coverage

Risk Factors

Your motorboat stalls in the middle of the lake — and won’t restart. You’re not sure what went wrong, but you need help right now.

Solution

Optional coverage may help with the cost of emergency labour where your boat is disabled or a tow to the nearest location where repairs can be made. It may also cover the cost of gas, oil or a battery, if needed.

Property damage coverage

Risk Factors

Your watercraft might collide with someone’s personal property and cause damage to the same.

Solution

If you cause an accident that damages another person’s property, liability coverage may help pay for expenses you incur as a result.

Uninsured watercraft coverage

Risk Factors

You may meet with an accident involving another watercraft which is not insured or has insufficient coverage for the loss caused by accident.

Solution

The uninsured watercraft coverage on your boat insurance policy may help pay for the resulting expenses.

Bodily injury liability coverage

Risk Factors

The people sailing in a watercraft may face bodily injury which can make the watercraft owner pay for their medical expenses.

Solution

Watercraft insurance may help prevent you from paying out of pocket for medical bills and other related costs like loss of income.

What is Watercraft Insurance?

Watercraft insurance covers boats, yachts, and personal watercraft with at least 25 horsepower motors. It offers protection against physical loss or damage, theft, and towing expenses. Depending on the policy, it may also include liability coverage for bodily injury to others, guest passengers operating the boat, and medical expenses for the owner and their family. Depending on your vessel's size and policy specifics, additional liability coverage might be necessary.

Types of Watercraft Insurance Coverage

Bodily Injury Liability
Covers medical expenses and missed wages in the event that you are the cause of an injury accident.

Property Damage Liability
Covers damages to another person's watercraft or property and includes pollution liability and wreckage removal.

Collision Coverage: 
Pays for damages to your watercraft, motor, trailer, and equipment from a collision with another boat or object.

Comprehensive Coverage
Covers non-collision incidents such as fire, theft, and storm damage to your watercraft, motor, trailer, and equipment.

Uninsured Motorist Coverage
Protects against damages caused by an uninsured or hit-and-run boater.

Underinsured Motorist Coverage
Protects you and your equipment from drivers with insufficient insurance.

Medical Payments
Covers medical expenses if you or others are injured while operating or occupying your watercraft.

On-water Boat Towing and Labor
Covers towing and emergency services if your watercraft is disabled on the water.

The Importance of Watercraft Insurance

The primary purpose of watercraft insurance is to provide liability coverage, which safeguards you in case either someone is hurt, or their property is damaged. It covers legal fees, medical expenses, and repair costs. Additionally, watercraft insurance protects against fire, accidents, and theft. Comprehensive policies cover all risks except those specifically excluded, such as wear and tear or freezing damage.

Customizable add-ons are available to tailor your insurance to your specific needs.

Do I Need Watercraft Insurance During the Off-season?

Regardless of the boating season length in your area, insurance providers consider the typical annual use of your location when calculating premiums. This means your boat remains protected year-round, whether at the dock or in storage. Policies cover vandalism, theft, sinking, and weather damage, which can occur anytime.

Boaters have specialized insurance needs, and Direct 2U Insurance can help you choose a policy that makes the most sense. We can outline various insurance options and answer any questions about the different types of boat insurance coverage.

Contact Direct 2U Insurance

For more information or to get started on your quote, contact Direct 2U Insurance at 3401 Centre Lake Dr Suite 520 Ontario, CA 91761, or visit our website. We'll ensure the process is simple and straightforward!

Already have Watercraft Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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