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Boat Insurance

from Summit Insurance Advisors

Boat & Watercraft Insurance

Summit Insurance has been providing boat insurance to people living in Phoenix Arizona for years.  They can help you find the best insurance for your watercraft so that when you are out playing on the water in Arizona you don't want to worry about whether or not your insurance will cover you.

Summit Insurance is there to make your time playing on the water an experience that is not marred by worry or concern about coverage. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure, so it's very affordable to sustain. Getting out on the water if far more enjoyable if you don't have to worry about possible issues.

Do you know what to look for in a Phoenix watercraft insurance policy? Summit Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.

Here are some items you’ll need to consider when shopping for Phoenix boat insurance.

    • Navigational Area

      Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, coverage for additional areas can be purchased.

    • Agreed Value Coverage

      Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible. This protects you against depreciation and losing out at a later time.

    • Liability

      Like car insurance, personal liability coverage provides protection and compensation to other boaters in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

    • Medical Payments

      Medical payments coverage will take care of the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

    • Physical Damage Coverage

      Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged. Theft is common with boats, especially unattended trailered ones. Be safe.

    • Uninsured/Underinsured Watercraft Bodily Injury

      Since boat insurance is not always mandatory, many people opt out of it. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident. Just because others are not covered doesn't mean you have to suffer.

    • Fuel Spill Liability and Wreckage Removal

      Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleared up, which can be time consuming and expensive. This coverage should cover these costs and save you a lot of money.

    • Personal Effects

      Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what's required in Arizona. Personal effects coverage does not include jewelry, watches or furs. A lot of items get lost or sunk when out on the water, so this allows you to recover from these losses.

    • Unattached Equipment Coverage

      This coverage pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc. Again, these items or often lost of sunk during mishaps, so prepare accordingly.

    • Emergency Assistance

      The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

    Every need is unique – contact us today to find out how to get the best boat insurance coverage for you.

    Our office is conveniently located at:

    Scottsdale office

    5425 E Bell Road Suite 103
    Scottsdale, Arizona 85254


    Summit Insurance Brokers has been providing Arizona boat insurance for many years, and the expert agents in our Phoenix AZ insurance office take pride in servicing the boat insurance needs of Phoenix, Scottsdale, Mesa and Paradise Valley. Live outside of Arizona? We've expanded our boat insurance offerings to California and Maryland.

    Ready to find out more? Ready to buy?

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480-214-3544

866-711-5973 (fax)

Our location:

Scottsdale office

5425 E Bell Road Suite 103
Scottsdale, Arizona 85254
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