Unigard offers a wide variety of coverages designed to meet the needs of our insureds. Unigard's Boat policy also provides coverage for watercraft on a replacement cost basis with no deduction for depreciation. A few of our key coverages include:
Liability Coverage: You and resident relatives of your household are protected for bodily injury and property damage to others caused by a covered accident for which you are liable.
Medical Payments to Others: If passengers in your boat are injured in an accident, medical, hospital and, if necessary, funeral expenses are covered, subject to specified limits. For an additional premium, this coverage can be extended to include you and regular residents of your household.
Physical Damage Coverage: If you purchase physical damage coverage, the policy will pay for loss of or damage to your boat, motor, trailer and equipment, minus your deductible. Coverage is provided for practically all causes of loss including, but not limited to:
- Fire
- Hitting submerged objects
- Theft
- Vandalism
- Capsizing
- Explosion
- Windstorm
- Loss overboard
- Loss in transit
- Collision afloat
Motors and trailers are covered for actual cash value (replacement value of the motor or trailer, minus depreciation).