Welcome  
 

We can help make your time on the water relaxed and worry-free! We offer comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.

What you need to know about boat insurance

Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

Liability

Like auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault in an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

Medical Payments

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

Physical Damage Coverage

Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

Uninsured/Underinsured Watercraft Bodily Injury

Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel Spill Liability and Wreckage Removal

Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.

Personal Effects

Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with Bidlake Agency, Inc. for information. Personal effects coverage does not include jewelery, watches or furs.

Unattached Equipment Coverage

This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.

Emergency Assistance

The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Every need is unique – Contact us today to find out how to get the best boat and watercraft insurance coverage for you.

 
     
 
 
 
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In the event of a covered loss, automobile insurance pays for a portion of your lost wages should you not be able to work as well as replacement services for the things you are not able to do around your home! Contact Us to learn more!

 
     
 
 
       
       
 
 
 
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1118 Lake (US-23) | Tawas City, Michigan 48763 | (989) 362-3261 | 1-888-677-2324