Boat

5501 Independence Suite 302	680 North Hays Road
Plano, Texas 75023	Prosper, Texas 75078
972-519-0936	972-347-9474
dannywilson@allstate.com

Wednesday, March 10, 2010, 1:38:41 AM

Boat | Allstate offers a variety of boat insurance coverage options for your boat, motor, trailer and equipment. These options include physical damage, liability and medical coverages and a variety of discounts. Learn more about the types of boat and personal watercraft insurance coverages that are available.

Physical Damage Coverage
Protection for your boat, motor and trailer: You'll need coverage for your boat, motor and trailer while boating, launching, hauling, or storing your vessel. We provide protection against theft, vandalism, windstorm, hail, lightning, fire and explosion. Our policy includes coverage if you strike a submerged object. We also provide coverage for your boat while it's being operated by an authorized user.
Emergency services: Your policy will include up to $100 for the reasonable expenses of emergency services such as towing, mechanical labor at the place of breakdown, and the delivery of fuel, oil, or a battery.
Wreck removal: Coverage is permitted, up to an additional 5 percent of your Physical Damage Coverage limit, for the reasonable cost that may be incurred by the attempted or actual raising, removal, or destruction of a covered watercraft.
Boat equipment: Our policy provides boat equipment coverage equal to 10 percent of your Physical Damage Coverage limit.
Deductible: You can select from available deductible options that will help meet your needs.
Repair Cost Option: For partial losses, we will pay the actual cost to repair or replace the covered property (less the deductible) with material of like kind and quality, and with no deduction for depreciation, up to the limits you choose.
Watercraft Liability Coverage
Protection for your liability arising out of boat ownership: We offer protection in case you or a member of your household accidentally injures another person in a boating accident. This includes accidentally injuring a swimmer or water-skier. You can select the coverage limit that helps meet your needs.
Property damage liability: Allstate will provide coverage if you hit and damage a dock, or if your boat collides with and damages another boat.
Medical Payments Coverage
Medical payments protection can provide coverage for reasonable and necessary medical expenses resulting from injuries sustained in a covered boating accident including:
The boat owner and the passengers in the covered boat. Water-skiers being pulled behind the covered boat. You, residents of your household and guest passengers, while swimming from the covered boat, if struck by any boat.
Other Features of Our Policy:
Coverage up to 100 nautical miles of either the U.S. or Canada: Our policy offers coverage for up to 100 nautical miles of either the U.S. or Canada.
Emergency services coverage: The $100 limit can be increased to $500 for an additional premium.
Coverage for personal effects: You can purchase this Optional Coverage to pay for the physical loss of belongings such as fishing or skiing equipment.
Discounts That May Apply:
You may be eligible for one or more of the following discounts by purchasing boat insurance from Allstate.
Boat and Auto Discount for Allstate boat insurance policyholders who also have their private passenger automobile insurance written with Allstate Insurance Company. New Boat Discount if the boat is less than 11 years old. Boating Education Discount for the successful completion of an approved boating education course. Diesel Engine Discount for boats equipped with diesel engines. Protective Device Discount for boats equipped with protective devices. Primary Operator Experience Discount if the primary operator has 3 or more years of boating experience.
Coverage* for Your Personal Watercraft (PWC)
You need coverage for a variety of risks you face while operating or transporting your personal watercraft. Find out more about your personal watercraft insurance coverage options.


	HOME \| The right home insurance goes far beyond monthly premiums. Let us help choose the right coverage for you. AUTO \| Few possessions are as important as your auto. We take the time to ask the right questions. BOAT \| Ensuring you have the proper coverage will make owning a boat more enjoyable. Let us explain all of your options. MOTORCYCLE \| Allow us to customize your motorcycle policy to you and your motorcycle. RENTERS \| Renters need to protect their personal assets just like homeowners. We can create an affordable policy to give you a piece of mind. CONDOMINIUM \| Condominium insurance requires understanding and specialization. We are here to explain all of your options. MOTOR HOME \| Just like any other homeowner, you need to consider protecting your home, your personal property, and yourself from liability. Mobile Home owners have some special considerations too. BUSINESS \| Your growing business needs more coverage than a personal auto policy provides