HOW TO GET FIRE DAMAGE COVERED BY BOAT INSURANCE

Coverage for smoke and fire damage can be included in any basic boat insurance policy. This may include coverage for your boat or PWC, personal property and equipment, and liability for injury or damages to others. Your personal property refers to items board your boat that are not permanently attached or equipment necessary for operation of the craft. Please note: there may be limits based on how much coverage you opted for.

When purchasing your policy, whether it may be direct from SkiSafe online or with an underwriter or your agent, make sure your policy includes coverage for fire damage. It’s as easy as that.

WHEN BOAT INSURANCE DOES NOT COVER FIRE DAMAGE 

Your boat insurance policy may not cover fire damage if the cause of the fire is excluded. An intentional act is never covered.

NAMED PERILS

 Keep in mind which perils your boat and personal property are covered for. Some named perils include:

• Fire
• Vandalism
• Theft
• Freezing
• Windstorm

When getting your policy, consider which perils your watercraft is susceptible to. Fire damage may be one of these, and can easily be included on your boat insurance policy. A SkiSafe policy is in fact an “All Risk” policy that will protect you against all perils except for those specifically excluded by the terms of coverage.