WATERCRAFT INSURANCE PROTECTING YOUR DREAMS

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1 WATERCRAFT INSURANCE PROTECTING YOUR DREAMS

2 PROTECT YOUR DREAM BOAT. There s nothing like being on the water. It s what you love to do. Boating is part of your life and your lifestyle and you want to protect your watercraft and everyone in it. With American Family Insurance on board, you ll set sail knowing your dreams are protected. ON LAND OR WATER, YOU RE COVERED American Family covers all kinds of watercraft. From sailboats, rowboats, fishing boats, canoes, runabouts and pontoon boats to cabin cruisers, yachts, personal watercraft and jet-drive boats we ll make sure that in the water or on the road, your watercraft is protected.

3 PHYSICAL DAMAGE Physical Damage coverage protects your watercraft on land and in the water. Whether it s afloat, in transit or in storage, your watercraft, including manufacturer s installed equipment and your outboard motor, is protected against most accidental damage or loss. If you own a sailboat, the policy also covers sails, spars and rigging. Your watercraft policy also includes: Emergency Roadside and On-water Service Protective Repairs Recovery Hurricane Emergency Removal Coverage* *Available in Georgia only. LIABILITY Liability coverage protects you and your financial future. As a boatowner, you can be held legally responsible for injuries or property damage resulting from accidents involving water skiers, swimmers, collision with other boats, collision with docks, and more. Protecting yourself and operators of your watercraft for liability is as important as protecting your watercraft and equipment. The following supplementary protection is included under liability coverage at no additional cost: Claim and Defense Expenses Emergency First Aid Additional Owners Coverage Additional Insured Coverage Watercraft Equipment Coverage Your policy provides coverage up to $3,000 for watercraft equipment, which includes accessories on the insured watercraft not installed by the manufacturer as part of the original sale. This coverage applies to items such as the watercraft trailer, boat hoist, marine instruments, safety and life preserving equipment, water skis, electric trolling motor, and an auxiliary outboard motor. Medical Expenses Medical expenses coverage protects you and others in your watercraft. We ll pay reasonable medical expenses incurred by you, members of your household or your guests for appropriate and necessary medical services resulting from a covered accidental injury that arises out of the ownership, maintenance or use of the insured watercraft and watercraft equipment. Additional coverage may also be purchased.

4 ADDITIONAL COVERAGE Because people have different boats, different equipment and different comfort levels, American Family offers optional coverages to enhance your protection and your peace of mind. These endorsements may be subject to limitations. Fuel or Oil Spill Cleanup Coverage This policy provides up to $10,000 per loss for fuel or oil spill cleanup resulting from an accidental oil or fuel spill. The limit for this coverage in any 12 month policy period is $20,000. Personal Effects and Fishing Equipment Coverage This endorsement protects you against the loss of those extra items you may use on your boat such as fishing equipment, diving equipment and clothing. Repair Cost Coverage If you suffer property damage resulting in a partial loss, this endorsement allows you to repair your boat, motor or boating equipment, without a deduction for depreciation, up to the policy limits. This coverage is required in Minnesota. Agreed Value Hull Coverage With this endorsement, we will pay the agreed value hull limit you select for your insured watercraft in the event of a covered total loss. The coverage automatically includes repair cost coverage for partial losses. CLAIMS Your port in a storm. When your boat is insured with American Family, you have a crew of professionals behind you, including an agent who knows you and a claims representative who specializes in helping out when the going gets rough. You may report a claim to your agent, call our 24-hour claims line at MY AMFAM ( ) or submit a claim online at amfam.com. Safety Savings You may qualify for savings on your watercraft coverage if you have: taken U.S. Coast Guard, Power Squadron or certain state-administered courses, or installed certain types of safety equipment on your watercraft, such as a built-in fire extinguisher Ask your agent for details, qualifications and exclusions. Uninsured or Underinsured Watercraft Coverage This endorsement protects you and persons using your watercraft for bodily injury caused by a watercraft whose owner or operator is either uninsured or has insufficient bodily injury limits to cover the portion for which the owner or operator is liable.

5 ALL YOUR PROTECTION UNDER ONE ROOF AUTO HOME BUSINESS LIFE Visit amfam.com to find an agent near you for a FREE no-obligation Personal Insurance Review. The trusted advice of an American Family Insurance agent will give you the confidence and security to pursue your dreams, no matter how they change along the way, and make sure that you have protection for everything that matters most to you. We offer a variety of insurance products to cover you, and your family, at every stage in life. Talk to an agent to find out which discounts you may qualify for and other ways to save! This brochure represents only a brief description of coverages. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. Please check with your agent and read the policy for exact details on coverages and exclusions. Annuities and life insurance policies are issued by American Family Life Insurance Company other products are underwritten by American Family Mutual Insurance Company, American Family Insurance Company, American Standard Insurance Company of Ohio and American Standard Insurance Company of Wisconsin, 6000 American Parkway, Madison, WI Printed on recycled paper. Please recycle. ADA ADVANCE 04/ Cover photo courtesy of Yamaha Watercraft Group.