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Boating Insurance

Set Sail with Confidence: Boating Insurance in Colorado

Owning a boat is about freedom, adventure, and enjoyment on the water. At Preferred Choice Insurance, we ensure your time on the water is stress-free with tailored boating insurance policies. Whether you’re cruising Colorado’s lakes or traveling out of state, our veteran-owned agency provides the coverage you need to protect your investment and your peace of mind.

Answers to Your Boating Insurance Questions

  • What does boating insurance cover?

    Boating insurance typically includes coverage for liability, physical damage, medical payments, and uninsured boaters.

  • Is boating insurance required in Colorado?

    While not legally required in Colorado, many marinas or lenders may require proof of coverage.

  • Does boating insurance cover me if I tow my boat?

    Yes, but coverage may depend on your auto policy. Boating insurance focuses on water-related risks, so verifying your auto policy is essential.

  • Can I insure accessories like fishing gear or navigation equipment?

    Yes, you can add coverage for personal items and accessories stored on your boat.

  • Are there discounts for safety courses or multiple policies?

    Many insurers offer discounts if you complete a boating safety course or bundle your boating policy with others, like home or auto insurance.

  • Does boating insurance cover natural disasters or sinking?

     Comprehensive coverage typically protects against events like storms, theft, and sinking, but it’s best to confirm the details of your policy.

What Our Boating Insurance Can Do for You

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Physical Damage Protection

Covers repairs or replacement for your boat in case of accidents, storms, theft, or vandalism.

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Medical Payments

Helps cover medical expenses for you and your passengers if injuries occur during a boating accident.

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Liability Coverage

Protects you if you’re at fault in an accident, covering damages to other boats, property, or injuries to others.

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Uninsured Boater Coverage

Provides financial protection if you’re involved in an accident with an uninsured or underinsured boater.

Get Your Free Boating Insurance Quote Today

Enjoy your time on the water worry-free. Contact us now or request a free quote online to discover the right coverage for your boating adventures!

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