Boating is always exiting and fun, but it needs certain responsibility from the boater's point of view and hence it is vital to get a perfect level of boat insurance. Wearing a life jacket is simply not enough to safeguard yourself against the tough waves. Thousands of boat accidents take place every year and as a boat owner it is your responsibility to avail proper protection against such accidents.

Avail a good boat insurance coverage from Laurenceau Insurance and ensure protection of you and your boat. Laurenceau Insurance offers wide range of boat insurance policies according to different budget and needs. Choose your pick!

How We Cover You

There’s no way around it: When you’re out on the water there’s always a chance that something might go wrong. One of the most important things you can do is make sure you’ll have help with medical bills if you should get hurt in an accident.

Medical Payments Coverage

If you or someone in your household gets injured on a boat covered in your policy, this coverage typically helps take care of the medical expenses that come afterward.

When you’re in the boat, you’re covered—and so are your passengers. Water-skiers being pulled behind the boat are also covered. If you or your passengers should get injured by another boat while swimming near your boat, Medical Payments coverage typically kicks in then, too. The limit you choose for this coverage will decide how much that coverage could be.

How We Cover Your Boat

When something goes wrong, good boat insurance coverage could mean the difference between sinking and swimming.

Physical Damage Coverage

This optional coverage typically takes care of your boat, motor, and trailer all the time—when you're storing it, hauling it, launching it, or out on the water. If it’s stolen, vandalized, or damaged by wind, hail, lightning, fire, or explosion, this coverage can help. It also covers emergency service (up to $100), wreck removal, and other boat equipment.

You can choose a different amount of Physical Damage coverage for each boat on your boat insurance policy. You’ll also need to choose a deductible. (If you have to file a claim, that’s the amount of money you’ll need to pay before your coverage kicks in.) You can pick a different deductible for each boat on your policy.

How We Cover the Rest

If you’re in an accident, there’s a good chance someone else was involved. And if you’re at fault, you’ll want strong liability coverage.

Watercraft Liability Coverage

Even the safest boat operator can have a bad day. And this coverage typically makes a big difference If you or someone else in your household has a boating or jet ski accident that:

• damages a dock,
• damages another boat, or
• injures someone else (including a swimmer or water skier).

Want a lot of coverage, or just a little? It’s your call.

Discounts

Here’s some easy money. If your auto insurance is with JSF, you could save money on your Liability, Medical Payments, and Physical Damage coverages, thanks to our Multi-Policy Discount.

To get this discount:

• The boat and auto policies have to be from the same state.
• Both policies need to list either you or your spouse.
• The auto policy needs to cover a private passenger vehicle.

I Have a New Boat

That shiny new boat could save you some green. And the newer the boat, the higher your discount can be. With JSF’s New Boat Discount, you could save on your Physical Damage coverage.

I’ve Taken a Boating Education Course

Taking a boating safety course is a smart idea no matter what—getting a discount for it is just icing on the cake. JSF’s Boat Education Discount gives you credit for doing just that.

For the course to count, it has to be sponsored by an approved organization like the U.S. Coast Guard Auxiliary or the United States Power Squadrons®. A state course also counts if it’s approved by the National Association of State Boating Law Administrators (NASBLA) and recognized by the U.S. Coast Guard.

My Boat Has a Diesel Engine

With the Diesel Engine Discount, You could save on the cost of your Physical Damage coverage just for having boat or jet ski powered by a diesel engine.

My Boat Has an Automatic Fire Extinguisher System

No matter how much water you’re floating on, a fire aboard your boat could destroy it. If you’ve got an automatic fire suppression system installed on your personal watercraft, the Automatic Fire Extinguisher Discount can save on annual premiums.

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