boatowners insurance protecting your dreams

Transcription

1 boatowners 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 boat 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 boat is protected.

3 Property Your boat is covered on land or in the water. Whether it s afloat, in transit or in storage, your boat, 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 boatowners policy also includes: Emergency Services 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 your relatives who reside in your household in case of liability is as important as protecting your boat and equipment. The following supplementary protection is included under liability coverage at no additional cost: Named Additional Insured Claim and Defense Expenses Emergency First Aid Pollution Damage* *This coverage is only available in Georgia and Washington. Boating Equipment Coverage Your policy automatically includes up to $1,000 per item and $3,000 total to cover boating equipment, which includes accessories of the insured watercraft that are not installed by the manufacturer. This coverage applies to items such as boat trailers, marine instruments, portable TVs, anchors, oars, paddles, boat and motor covers, towropes, water skis, fire extinguishers, life preservers and other similar items. Medical Expenses Medical expenses coverage protects you and others in your boat. 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 boating 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 some limitations. Personal Effects 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 automatically provided in Minnesota. Agreed Value Coverage With this endorsement, we will pay the agreed value 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 Course Credit You may qualify for savings on your boatowners coverage if you have taken U.S. Coast Guard, Power Squadron or certain state-administered courses, or if you have certain types of safety equipment on your vessel. Ask your agent. This coverage is only available in Georgia and Washington. Underinsured Boater Coverage * or Uninsured Boater Coverage ** This endorsement protects you against damages suffered in an accident caused by a driver who has no liability coverage or inadequate liability coverage. Policy terms and conditions apply. *This coverage is only available in Washington. **This coverage is only available in Georgia.

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 CLASSIC Rev. 10/