Personal Boat Insurance Policies in Illinois
Your home and auto insurance policies do not protect you in the event of an accident or injury that occurs involving your boat. There are many reasons to purchase boat insurance. The way you use your boat could make insurance a necessity. Whether boat insurance is right for you depends on a number of factors.
At Hicks Insurance Group, our independent agents can help guide you through the process of finding and selecting the right level of boat insurance coverage at the best possible price. From speedboats to luxury yachts and even the personal watercraft that you take along with you, we can help pair you with the insurance company that fits your unique needs.
Understanding Boat Insurance
Unlike auto or motorcycle insurance, there is no minimum level of insurance for your boat. The result of this is that boat insurance premiums and options are highly variable.
Picking the best coverage depends on a thorough understanding of your needs and the way you use your boat. As an independent agency, we can search among multiple insurance companies to find the boat insurance package that is best for you and your family. We can then balance the costs and benefits of each viable boat insurance package and what types of coverage they include:
- Personal injury liability
- Liability coverage for damage to property
- Comprehensive coverage to protect your boat
- Collision coverage
- Coverage for incidents involving uninsured or underinsured boaters
Why Choose an Independent Insurance Agency?
An insurance writer who works for a specific insurance company is trapped by the products unique to that provider. If the coverage they offer is not right for you, you will be the last to know. For instance, some boat insurance policies will cover things you do not need, forcing you to pay extra and receive nothing in return. Other policies will expose you to risk that you would gladly mitigate with insurance, given another option.
Our independent agents are not tied to one insurance company. We work with a network of top carriers in Illinois and across the country to make sure the coverage you get is the coverage you need, and at the best possible price. We will never split our loyalty between you and an insurance company—you will always come first.
Contact Hicks Insurance for Your Boat Insurance Coverage Needs
Owning a boat provides a great outlet as a leisure activity. But it is also an investment in time and money. Protecting that investment with insurance can provide peace of mind and make boat ownership more pleasurable and less stressful.
Get the coverage you need to protect your pastimes and your property. Call us at 708-532-7474 or contact our Mokena agency online to request a free consultation. We will assess your current boating insurance coverage and your goals in buying insurance, and then we will seek out free quotes on your behalf.