Helping to Protect You and Your Toys!

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1 Helping to Protect You and Your Toys! Insurance options may vary from those described in these materials in DC, DE, HI, ME, MT, ND, NH, NM, NV, RI, SD, VT, WV and WY.

2 43% of American boat owners are currently uninsured. 1 If you re in an accident with one of these boaters, chances are they might not be able to cover the cost of damages to your boat or the cost of your medical bills. 68% of reported boating accidents result in injuries. 2 Many consumers assume that their Homeowners insurance covers boats stolen or damaged on their property. Most homeowners insurance policies apply many limitations and restrictions to coverage of watercraft. Most homeowners insurance policies do not offer liability coverage or property damage protection when the boat is used off of the customers property. 1. NMMA Recreational Boating Statistics 2010 USCG

3 There are three key coverages offered with an Allstate boat policy: The Other Person: Watercraft Liability Coverage You and Your Family: Watercraft Medical Payments Coverage Uninsured Watercraft Coverage* Emergency Services Coverage* Your Boat: Coverage for your property Repair Cost Option* * Coverages are offered as stand alone or part of a package of coverage options.

4 The Other Person Watercraft Liability can help protect your assets! Protection from paying medical expenses, loss of income, and funeral expenses of other people if you re at fault in an accident. Protection from paying for repair or replacement of another person s boat or property. On an Allstate Boatowners policy, liability coverage extends to: You Any resident in your home Anyone you give permission to use your boat

5 Watercraft Medical Payments coverage can help pay for your injuries from an accident. If you re injured in a boating accident, Allstate can help pay for related medical services you receive within three years of the accident. Covered expenses may include hospital bills, surgeries, x-rays, dental expenses, pharmaceuticals, nursing services and more.

6 Property coverage for your boat can help pay for damage to your boat, boating equipment and personal effects: If you are in an accident with another boat or something else (i.e., a pier, buoy, dock or debris, or if someone hits your docked boat.) If your boat is damaged or lost by something other than a collision, such as theft, fire, vandalism, or windstorm.

7 The Premier Package includes: Uninsured Watercraft Repair Cost Option - replacement cost for partial losses Partial Losses Emergency Services up to $1,000 $3000 available in select states The Premier Plus Package includes: Same features as the Premier Package, plus: Agreed Value claims settlement option for Total Losses Boat must be 10 years old or less 3 year term, after which boat can maintain Premier package Policies with multiple boats will be required to maintain a package on all eligible boats.

8 Multiple policy Insure your car(s) and/or Home with Allstate and get a discount. Boat education Easy Pay Full Pay Have you taken a boating safety course? You may be eligible for a discount! Have your insurance premium payment directly withdrawn from your bank account. Pay your annual insurance premium all at once and you may qualify for a discount! Homeownership Even if you don t insure your home with Allstate, if you own it you may be eligible for a discount. * Not all discounts are available in all states. Early Signing Sign up for your boat insurance policy at least 7 days before it takes effect and you may get a discount. Diesel Engine Does your boat have a diesel engine? It may qualify for a discount. Automatic Fire Extinguisher System Does your boat have an automatic fire extinguisher system? It may qualify for a discount. New Boat (Diminishing over 5 years) If your boat is 5 years old or less, it may qualify for a discount. Organization You may qualify for the Organization Discount if you are a member of a certified organization which promotes responsible boating programs.

9 Repair Cost coverage Some of the major competitors do not offer the option to receive replacement cost for partial losses. Emergency Services Be reimbursed if you need emergency towing, fuel brought to your boat, or on-site repairs. Available up to the policy limit as many times as needed during the policy term. Limits up to $3000 in many states. Wreck Removal An additional 5% of the limit of property coverage is afforded for wreck removal in the event of a covered loss.

10 Are You in Good Hands?