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The Boatowner's Protection Program
Enjoy carefree cruising with a boatowners policy from Farmers!
Your boat, outboard motor, boat trailer, plus any equipment you wish to include, are
constantly protected by the policy, and at a low cost to you.
Don't let anything spoil the fun of owning a boat
Your boatowners policy gives you triple protection for...
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Your liability to others: Your policy will pay damages from an accident
which you are legally liable because of bodily injury or property damage, up to the limits
of the policy. At our expense, we will defend an insured person against any
covered claim or suit.
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Medical payments: Your policy will pay the necessary medical expenses for bodily
injury sustained by an insured person in an accident.
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Damage to your craft: Your policy will pay for loss to your boat or trailer
caused by most accidental means.
These are a few of the hazards protected against:
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Loss of Motor Overboard
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Liability
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Guest Medical
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Fire, Lightning, Explosion
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Collision on Highway
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Sinking and Stranding
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Damage in Hauling or Launching
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Theft
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Underwater Damage
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Guest Medical Payments for Towed Water Skier
Plus...
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30-day automatic coverage for newly acquired replacement boats
(up to 40 feet in length and valued under $100,000), motors and trailers.
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A variety of deductibles
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Liability protection for injuries or death to other persons caused by your boat.
Medical payments whether you are liable or not.
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Payment for costs incurred in the settlement of any covered lawsuit.
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Payment of premiums for appeal bonds on any lawsuit we defend.
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Payment for actual loss of wages or salary up to $50 a day when we
ask you to attend a trial or hearing.
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Fast, Fair, Friendly claims service from highly qualified representatives
of the Farmers Insurance Group of Companies.
Damages Not Covered
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Losses resulting from operation in any official race or speed contest.
Although we do cover sailboats, with the exception of spinnakers and balloon
sails which are not covered.
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Property used to carry passengers for compensation, or rented to others.
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Intentional injury or damage.
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Loss from mechanical breakdown, faulty manufacture, corrosion, rust,
dampness of atmosphere, freezing or extremes of temperature.
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Loss from repairing, adjusting, servicing or maintenance except for
ensuing fire.
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Theft of equipment not permanently attached unless specifically covered.
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Loss or damage to boat trailer ties or tubes except for fire, windstorm, collision
or theft of entire trailer.
Discounts and Credits
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A 10 percent discount/credit is available if you have completed the Coast Guard
Auxiliary "Safety and Seamanship" Course, U.S. Power Squadron "Boating Course,"
or any state-administered course approved by the National Association of State Boating
Law Administrators (NASDA) and recognized by the U.S. Coast Guard.
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A Boat / Home discount / credit may be available when you insure our boat with
Farmers. This is not available in all states.
This is not a policy contract but a general description. The policy itself should be read
for the coverages and exclusions.
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