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Midwest Professional Insurance

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Kansas City, MO 64111

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How Much Boat Insurance Do I Need?

Boat insurance is a must-have insurance plan if you have a boat, whether you use it to sail, fish, or cruise. While boat accidents aren’t as common as car accidents, they can happen, compromising your finances. Now that you have invested in boat insurance, do you have enough coverage? At Midwest Professional Insurance, we help you determine the amount of boat insurance sufficient for you.

How much liability coverage do I need?

Whether fishing or sailing in the water, you might be at fault for an accident resulting in property damage and bodily injury to others. Worse yet, you can be sued, putting your finances into a further mess. Your assets and future earnings can be at stake without adequate liability insurance. But when you have sufficient liability coverage, third-party claims don’t have to stress you. But how much liability coverage do you need?

At Midwest Professional Insurance, we usually advise our clients to maintain liability coverage of at least $500,000. But if you have fast, powerful boats, we recommend liability coverage of $1M plus. We also advise boaters to consider umbrella insurance for higher liability coverage.

How much physical damage coverage do I need?

Like car insurance, comprehensive and collision coverages in boat insurance compensates you when your boat is damaged or totaled by a covered peril. But how much coverage should you purchase? As a rule of thumb, purchase coverage adequate to replace your boat in the worst-case scenario. Consider your boat’s “replacement cost value” when insuring your boat. You get full compensation for your boat, incurring little out-of-pocket expenses.

Protect your boat today with insurance!

If you are still unsure about the amount of boat insurance you need for your boat, please get in touch with Midwest Professional Insurance. We will analyze your situation and advise the type and amount of boat insurance sufficient for you.

Read More

Boat insurance is a must-have insurance plan if you have a boat, whether you use it to sail, fish, or cruise. While boat accidents aren’t as common as car accidents, they can happen, compromising your finances. Now that you have invested in boat insurance, do you have enough coverage? At Midwest Professional Insurance, we help you determine the amount of boat insurance sufficient for you.

How much liability coverage do I need?

Whether fishing or sailing in the water, you might be at fault for an accident resulting in property damage and bodily injury to others. Worse yet, you can be sued, putting your finances into a further mess. Your assets and future earnings can be at stake without adequate liability insurance. But when you have sufficient liability coverage, third-party claims don’t have to stress you. But how much liability coverage do you need?

At Midwest Professional Insurance, we usually advise our clients to maintain liability coverage of at least $500,000. But if you have fast, powerful boats, we recommend liability coverage of $1M plus. We also advise boaters to consider umbrella insurance for higher liability coverage.

How much physical damage coverage do I need?

Like car insurance, comprehensive and collision coverages in boat insurance compensates you when your boat is damaged or totaled by a covered peril. But how much coverage should you purchase? As a rule of thumb, purchase coverage adequate to replace your boat in the worst-case scenario. Consider your boat’s “replacement cost value” when insuring your boat. You get full compensation for your boat, incurring little out-of-pocket expenses.

Protect your boat today with insurance!

If you are still unsure about the amount of boat insurance you need for your boat, please get in touch with Midwest Professional Insurance. We will analyze your situation and advise the type and amount of boat insurance sufficient for you.

Boat insurance possibilities for you

Boat insurance is a must if you want to enjoy your boat in peace. With the right coverage and boat insurance, you can enjoy your boat without thinking of potential fuss. 

Midwest Professional Insurance happily offers boat insurance to residents who reside in the following states:

  • Kansas
  • Missouri
  • Colorado
  • Illinois
  • Idaho
  • Texas

Give us a call today to hear more about boat insurance options.

What is covered?

You might think your boat is already covered under your homeowners’ insurance policy. While some of the basics will be covered, quite a few things might not be. A couple of examples of boat insurance you might want to look into that you may very well end up needing include:

  • Liability insurance or umbrella insurance. Whether someone steps on your boat and trips or you hit another boat in an accident, you might be liable to pay for repair costs or medical costs. In addition, other people on your or the hit boat can sue you, so you might want to be covered for either possibility. 
  • Theft and insurance against your boat getting destroyed. If someone steals something from your boat or the boat itself, insurance for this can help out. Another option is that someone either sets fire to your boat or another disaster happens, destroying your boat all at once. If you are covered for this, your insurance can replace your boat at no extra cost. So consider whether it is worth risking not getting insured against these options. 

If you want to talk about boat insurance, you can call Midwest Professional Insurance or you can start by comparing quotes yourself on our website here. 

Read More

Boat insurance is a must if you want to enjoy your boat in peace. With the right coverage and boat insurance, you can enjoy your boat without thinking of potential fuss. 

Midwest Professional Insurance happily offers boat insurance to residents who reside in the following states:

  • Kansas
  • Missouri
  • Colorado
  • Illinois
  • Idaho
  • Texas

Give us a call today to hear more about boat insurance options.

What is covered?

You might think your boat is already covered under your homeowners’ insurance policy. While some of the basics will be covered, quite a few things might not be. A couple of examples of boat insurance you might want to look into that you may very well end up needing include:

  • Liability insurance or umbrella insurance. Whether someone steps on your boat and trips or you hit another boat in an accident, you might be liable to pay for repair costs or medical costs. In addition, other people on your or the hit boat can sue you, so you might want to be covered for either possibility. 
  • Theft and insurance against your boat getting destroyed. If someone steals something from your boat or the boat itself, insurance for this can help out. Another option is that someone either sets fire to your boat or another disaster happens, destroying your boat all at once. If you are covered for this, your insurance can replace your boat at no extra cost. So consider whether it is worth risking not getting insured against these options. 

If you want to talk about boat insurance, you can call Midwest Professional Insurance or you can start by comparing quotes yourself on our website here. 

What is Boat Insurance And why Do You Need It?

If you are a boat owner, you already know how important it is to secure your boat. With all the investment you have put into it, it’s ideal for your boat to be adequately insured. Accidents do happen, and for your peace of mind, boat insurance comes in handy. 

What is boat insurance?

Boat/watercraft insurance is a policy that covers sailboats, motorboats, Jet Skis, and other water vessels against damage and liability in the event of an accident. Typically, when you get boat insurance from Midwest Professional Insurance, it will cover the below areas:

  • Collision damage: The policy covers any replacement or repairs in case of a collision.
  • Property damage liability: Pays for damage caused to another boat or any other third party loss.
  • Bodily injury liability: If someone else got injured by your boat in an accident, the policy covers legal charges and medical bills.
  • Comprehensive coverage: This policy covers your boat from fire, theft, vandalism, and other natural disasters stated in your policy.

Reasons why you need a boat insurance

Your boat insurance is as important as your car insurance. You are even at more risk on the water because of the many uninsured boaters. You may be careful, but you can’t protect your boat from careless and inexperienced boaters or, worse, the wrath that comes from nature.

That said, you need boat insurance to:

  • Secure your investment against damage or theft
  • Pay for injuries to others and damage to their property
  • Provide emergency assistance when stranded in the water

Even though it’s not mandatory to have boat insurance in your state, it’s important to obtain one for your peace of mind. This way, you will be at ease knowing that you, your boat, and your crew are protected. Not sure where to get boat insurance? At Midwest Professional Insurance, we delight in giving you that dependable boat insurance coverage. Call us today, and our team shall help you find a reliable boat or watercraft policy.

Read More

If you are a boat owner, you already know how important it is to secure your boat. With all the investment you have put into it, it’s ideal for your boat to be adequately insured. Accidents do happen, and for your peace of mind, boat insurance comes in handy. 

What is boat insurance?

Boat/watercraft insurance is a policy that covers sailboats, motorboats, Jet Skis, and other water vessels against damage and liability in the event of an accident. Typically, when you get boat insurance from Midwest Professional Insurance, it will cover the below areas:

  • Collision damage: The policy covers any replacement or repairs in case of a collision.
  • Property damage liability: Pays for damage caused to another boat or any other third party loss.
  • Bodily injury liability: If someone else got injured by your boat in an accident, the policy covers legal charges and medical bills.
  • Comprehensive coverage: This policy covers your boat from fire, theft, vandalism, and other natural disasters stated in your policy.

Reasons why you need a boat insurance

Your boat insurance is as important as your car insurance. You are even at more risk on the water because of the many uninsured boaters. You may be careful, but you can’t protect your boat from careless and inexperienced boaters or, worse, the wrath that comes from nature.

That said, you need boat insurance to:

  • Secure your investment against damage or theft
  • Pay for injuries to others and damage to their property
  • Provide emergency assistance when stranded in the water

Even though it’s not mandatory to have boat insurance in your state, it’s important to obtain one for your peace of mind. This way, you will be at ease knowing that you, your boat, and your crew are protected. Not sure where to get boat insurance? At Midwest Professional Insurance, we delight in giving you that dependable boat insurance coverage. Call us today, and our team shall help you find a reliable boat or watercraft policy.

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