Watercraft
Personal Watercraft
At St. Andrews Insurance, we can tailor a policy that is just right for your personal watercraft.
The program provides insurance for…
- Arctic Cat
- Bombardier
- Jet Ski
- Kawasaki
- Polaris
- Sea Doo (R)
- Tigershark
- Wet Jet
- Yamaha Waverunner
Coverage includes…
- Liability coverage up to $1,000,000
- $100,000 waterski liability
- Actual Cash Value
- $2,500 medical payments
- $10,000 accidental death benefit
- $25,000 uninsured boater
- $200 deductible
Eligibility requirments…
- Principle operater and owner must be over 16 years old and hold a valid driver’s license
- No more than one boating claim in the last 3 years
- No more than 2 minor driving violations in the last three years; no major driving violations in the last 3 years
- No more than one at fault auto accident in last 3 years
- Engine must be stock (no modifications)
Exclusions…
- Theft unless it occurs following illegal and forcible entry or exit to a locked building in whihc the insured property is located. There must be visible marks at the point of forced entry or exit.
- Ingestion damage to the power unit however caused.
As independent insurance brokers….
- we will consult with you on all aspects of your insurance requirements;
- we will assess your insurance needs and provide you with alternative courses of action;
- we will compare the premiums and services of many insurance companies available to us and present you with the best combination of pricing and coverage.
Boats
At St. Andrews Insurance, we can tailor a policy that is just right for your sail boat or power boat.
The program provides insurance for most vessel types including…
- Sailboats
- Cruisers
- Runabouts
- Pontoons
- Jet Boats
- Fishing Boats
- Bass Boats
- House Boats
- Trawlers
- Classic Watercraft
Comprehensive coverage is available including…
- $1,000,000 or $2,000,000 liability and personal injury
- Multi-perils coverage
- Replacement Cost or Actual Cash Value
- Personal effects
- Uninsured boater coverage
- Wreckage removal
- Fuel spill liability
- On-water towing
- Roadside assistance when the boat is being towed on land
- Breakdown towing
As independent insurance brokers….
- we will consult with you on all aspects of your insurance requirements;
- we will assess your insurance needs and provide you with alternative courses of action;
- we will compare the premiums and services of many insurance companies available to us and present you with the best combination of pricing and coverage.