A life jacket shouldn't be your only source of protection when the waves get rough. As a boat owner, you join over 70 million boaters tackling the tide each year. That means thousands of boating accidents annually. We are here to help you find coverage that protects you, your family and your boat—both on and off the water.
Protecting Your Toys While You Play
Our policy offers coverage while your boat is within the United States or Canada or within 100 nautical miles of the U.S. and Canada. Even out of the water, our coverage helps protect your boat, motor and trailer up to policy limits. So, no matter when or where you ride the waves, you can relax knowing that in the case of an accident or emergency, you have excellent boating protection. Since you've taken time to safeguard your car, why not do the same for your boat?
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| Coverage Options |
| Physical Damage |
You need protection that goes with your boat when you take it on the road and in the water. That's why Tony Baquiran Boatowners Insurance is designed to cover you for a wide range of hazards that can happen while boating, launching or hauling. In fact, Tony Baquiran covers your boat, motor and equipment up to your policy limit for just about any hazard that is not specifically excluded from your policy.
- Coverage for Your Boat, Motor and Boat Equipment: This coverage provides protection for your boat, motor and boat equipment against theft, vandalism, windstorms, hail, lightning, fire and explosions. In addition, you and other authorized drivers of your boat will be protected if one of you accidentally hits a submerged object while driving.
- Boat Equipment Coverage: With a boat insurance policy, your boating equipment is protected for a value of up to 10% of your boat coverage limit.
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| Watercraft Liability |
Liability Coverage protects you in case you or a member of your household accidentally injures another person or damages another person's property. For example, Tony Baquiran can cover you if you accidentally hit a swimmer, your boat collides with and damages another boat, or your boat damages a dock.
- Injuries to Others Coverage: Provides protection if you or a member of your household accidentally injures another person or damages another person's property while boating.
- Property Damage Coverage: Provides you with coverage if you hit and damage a dock, or if your boat collides with and damages another boat.
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| Medical Payments |
| If there's an injury due to a boating accident, this coverage provides medical protection for you, passengers in your boat, water skiers behind your boat, members of your household and guest passengers, if you are struck by any boat while in the water. |
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| Extended Coverage |
Sometimes you'll want more than basic protection, so Tony Baquiran provides five areas of extended coverage for your boat insurance policy. To find out if an extended coverage plan works best for you, contact me.
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Extended Emergency Coverage: You'll receive additional protection against costly emergency service for your boat and trailer, such as towing your boat to shore or changing a trailer flat tire. You can increase your Emergency Service limits above the $100 policy limit, up to $500.
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Repair Cost Endorsement: You'll have the option of improving your Physical Damage Coverage to pay for partial losses to your boat and equipment at replacement cost. Repairs for partial losses (not including normal wear and tear) can be made without deduction for depreciation, up to the limits you choose.
- Coverage for Personal Possessions: You'll receive coverage for your valuable belongings such as fishing and skiing equipment, cameras and portable radios while being used on your boat. These specialized coverage options help give you the protection you need most for your boat, trailer and equipment.
- Coverage for Your Boat Trailer: This coverage provides protection for your boat trailer against physical damage.
- Coverage for Additional Boat Equipment: Additional protection for boat equipment is available.
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| Discounts and Savings |
Tony Baquiran offers several Boat Insurance discounts to help save you money. Do you own a new boat, or is your boat less than 11 years old? Have you taken a boating education course sponsored by an approved organization such as the U.S. Coast Guard Auxiliary? Is your car insured with a preferred Tony Baquiran auto policy? You could be eligible for money-saving discounts.
Discounts are subject to availability and qualifications. Find out more below and contact me to see how much you could save. |
| You may qualify for... |
You may be eligible if... |
You could save... |
| Boat and Auto Discount |
…you insure your boat and your auto with a standard Tony Baquiran Insurance policy. Both your boat and your auto policy must be written in the same state. This discount applies to boat Liability, Medical and Physical Damage coverages. |
Up to 15% |
| New Boat Discount |
…your boat is less than 11 years old. The newer the boat, the greater the discount. The age of the boat is determined by its model year. This discount applies to Physical Damage Coverage. |
Up to 40% |
| Boating Education Discount |
…you've successfully completed a qualifying boating education course sponsored by an approved organization such as the U.S. Coast Guard Auxiliary, the United States Power Squadrons®, or a local state course approved by the National Association of State Boating Law Administrators (NASBLA) and recognized by the U.S. Coast Guard. |
Up to 10% |
| Disel Engine Discount |
…your boat is operated by a diesel engine. This discount applies to Physical Damage coverage. |
Up to 5% |
| Fire Extinguishing System |
…you equip your boat with an automatic fire extinguishing system. This Discount applies to Physical Damage Coverage. |
Up to 5% |
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