Boat insurance typically provides coverage for:

• Physical Damage: Covers damage to your boat, including the hull, engine, sails, and other equipment from accidents, theft, vandalism, and natural disasters.
• Liability Coverage: Protects you if you're legally responsible for an accident that causes injury to others or damages their property.
• Medical Payments: Provides coverage for medical expenses for you and your passengers if injured in a boating accident.
• Uninsured Boater: Covers you if you're involved in an accident with an uninsured or underinsured boater.
• Towing and Assistance: Offers coverage for towing and emergency assistance if your boat becomes stranded or needs repairs.
• Personal Effects: Protects personal items on your boat, such as fishing gear, electronics, and other valuables.
• Fuel Spill Liability: Provides coverage for cleanup costs if your boat accidentally spills fuel into the water.

Boat insurance typically doesn’t cover:

• Wear and Tear: Routine maintenance, wear and tear, and gradual deterioration of your boat aren't covered.
• Mechanical Breakdown: Issues with the engine or mechanical parts due to lack of maintenance or inherent defects are usually not covered.
• Intentional Damage: Any intentional harm caused to your boat isn't covered.
• Racing: Damage incurred while racing (unless you have specific coverage for this activity).

So, what is "Toy" Insurance?

Toy insurance is like insurance for your fun stuff - think RVs, boats, and motorcycles. These "toys" are all about fun and adventure, but they also have their own risks. That’s where the Toy Insurance experts at TopLine come in! Our agents will find you the right coverage for your specific needs at great rates, ensuring your adventures remain as they should – fun and worry-free.

Toy insurance for boats, RVs, and motorcycles typically provides coverage for:

• Liability Protection - Coverage for third-party bodily injury, property damage, and legal fees arising from accidents involving your boat, Recreational Vehicle, or motorcycle.
• Collision and Comprehensive - Coverage for damage to your boat, RV, or motorcycle caused by accidents, theft, vandalism, fire, or natural disasters.
• Personal Property - Protection for personal belongings and equipment stored in your boat or Recreational Vehicle, ensuring they're covered in case of theft or damage.
• Uninsured/Underinsured Motorist - Coverage for damages and injuries if you're involved in an accident with an uninsured or underinsured driver or boater.
• Medical Payments - Assistance with medical expenses for you and your passengers following an accident.
• Specialized Equipment - Coverage for custom parts and accessories specific to your boat, RV, or motorcycle.