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(406) 761-5000 Great Falls, MT

Boat & PWC Insurance in Montana

Boat and PWC Insurance – Smooth Sailing with the Right Coverage

Owning a boat or personal watercraft (PWC) offers incredible freedom and fun, but it also comes with risks. Boat and PWC Insurance from Cogswell Insurance Agency ensures you’re covered on the water and off, protecting your vessel, passengers, and financial well-being.

Why Do You Need Boat and PWC Insurance?

Accidents on the water can be costly. Whether it’s damage to your boat, injuries to passengers, or liability concerns, having the right insurance keeps you afloat. Boat and PWC Insurance provides:

  • Physical Damage Coverage: Repairs or replacement costs for your boat or PWC due to accidents, storms, fire, or theft.
  • Liability Protection: Financial protection if you’re responsible for injuries to others or damage to their property.
  • Medical Payments: Coverage for medical bills if you or your passengers are injured in a boating accident.
  • Personal Belongings: Protection for items like fishing gear, electronics, and personal property onboard.

What Does Boat and PWC Insurance Cover?

Physical Damage

Covers repairs or replacement costs for your boat, motor, trailer, or personal watercraft.

Liability Coverage

Protects you if you’re responsible for injuries or damage to another boat, dock, or property.

Medical Payments

Helps pay for medical bills for you and your passengers in case of an accident.

Who Needs Boat and PWC Insurance?

Boat and PWC Insurance is essential if you own:

  • Powerboats or speedboats
  • Sailboats
  • Fishing boats
  • Personal watercraft (PWC) such as Jet Skis, WaveRunners, or Sea-Doos
  • Pontoons and deck boats
  • Yachts and luxury watercraft

Why Choose Cogswell Insurance Agency?

  • Tailored Policies: Customized coverage for boats and PWCs of all types and sizes.
  • Competitive Rates: Affordable premiums with flexible coverage options.
  • Comprehensive Protection: Coverage for physical damage, liability, medical expenses, and personal belongings.
  • Expert Support: Our agents help you navigate the waters of insurance and ensure your coverage is watertight.

Frequently Asked Questions

Q: Is boat insurance required by law?

A: While it’s not always legally required, marinas, lenders, and certain states may require proof of coverage.

Q: Does boat insurance cover my trailer?

A: Yes, most policies can include coverage for trailers used to transport your boat or PWC.

Q: Are personal belongings onboard covered?

A: Yes, many policies provide coverage for fishing equipment, electronics, and other personal property.

Get the Coverage You Need for Smooth Sailing

Protect your investment and enjoy your time on the water worry-free with Boat and PWC Insurance from Cogswell Insurance Agency. Call us at 406-761-5000 or request a free quote online today!

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