Arizona Boat Insurance Information (Tucson, AZ Area)
The value of quality boat insurance often doesn't become apparent until you
really need it. Whether it's a minor dent or a more substantial accident, it
pays to have Arizona boat insurance coverage you can count on.
Let Arizona Insurance Clinic's experienced Arizona boat insurance specialist
explain the different Liability Limits, Comprehensive, Personal Injury
Protection, Collision, Medical coverages, and deductibles that are available for
you to choose from. We offer affordable Arizona boat insurance policies from
leading insurance companies serving the area.
Click on the link below to fill out a secure quote request form for an Arizona
Boat Insurance policy that will provide excellent insurance coverage for your
boat at an affordable cost. Or speak with our Arizona Boat Insurance
specialist at (520) 323-6887 to discuss the insurance features in more detail.
We are a Tucson, AZ insurance agency offering cheaper Arizona boat insurance
policy premiums to residents located in the following cities and counties throughout
the Grand Canyon state of Arizona: Oro Valley, South Tucson, Cortaro, Vail,
Sahuarita, Benson, Sonoita, Elgin, Green Valley, Sierra Vista, Continental, San
Xavier, Madera Canyon, Patagonia, Nogales, Tubac, Amado, Carmen, Pan Tak,
Rillito, Redington, Marana, Red Rock, Picacho, Oracle, San Manuel, Mt. Lemmon,
Catalina, Mammoth, Eloy, Casa Grande, Arizona City, Coolidge, Florence, Gilbert,
Peoria, Glendale, Sun City, Maricopa, Sun Lakes, Chandler, Mesa, Scottsdale, Sun
City West, Tempe, Phoenix, Apache Junction, Surprise, Cochise County, Santa
Cruz County, Graham County, Pinal County, Maricopa County, and Pima County,
AZ. We can also provide low Arizona boat insurance premium rates in the cities of
Flagstaff, Prescott Valley, Yuma, Lake Havasu City, Sedona, Bullhead City, and
Prescott, AZ.

Learn more about Arizona Boat Insurance
coverage options below!
Covers damage caused to the owners boat from a collision caused by another
boat, vehicle, or other object. The deductible is the amount you choose to pay
upfront (if any) before the boat insurance policy pays. The higher the deductible
chosen the lower the collision coverage cost of the Arizona boat insurance policy.
Arizona Boat Insurance Info
Covers damage caused to the insured's boat (your boat) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible
is the amount you choose to pay upfront (if any) before the boat insurance policy pays.
The higher the deductible chosen the lower the comprehensive coverage cost of the
Arizona boat insurance policy.
Arizona Boat Insurance Info
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance
needs should be discussed with a licensed insurance agent.
Arizona Boat Insurance Info
Injuries that you (insured) cause to someone else is covered under this part of a boat
insurance policy. The minimum liability insurance coverage available for purchase in
Arizona is 15/30 and is explained in detail below. However, we recommend that you
choose boat liability insurance coverage amounts that are much higher than the
minimums for the state of Arizona listed below. Contact us at (520) 323-6887 to
discuss what liability coverage amounts you require to meet your needs.
15/30/10 15=$15,000 - 30=$30,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Damage caused by the insured (you) to someone else's property, such as another
boat or dock, is covered through property damage boat insurance coverage. This
coverage also assists in protecting you if a lawsuit arises from an accident. The
minimum required coverage amount in Arizona is $10,000.
Bodily Injury Liability
Property Damage Liability
Arizona Liability Coverage limits explanation:
Arizona Boat Insurance Info
80% of medical benefits for all reasonable expenses for necessary medical,
surgical, x-ray, dental and rehabilitative services, including prosthetic devices,
wheelchairs, crutches, slings, neck braces and splints (including necessary travel
related to medical care.)
80% of necessary remedial treatment (nursing home care or home nursing care).

60% of disability benefits for any loss of gross income and loss of earning capacity
from inability to work because of an injury suffered in an accident.
Benefits Provided:
Arizona Boat Insurance Info
25/50 25=$25,000 - 50=$50,000
First number = uninsured boater maximum for one person injured in an accident.
Second number = uninsured boater maximum for all injuries in one accident.
Example of Uninsured limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at
fault driver who has no liability insurance. This is not a required coverage for Boat
Insurance in Arizona. Contact us today to discuss what uninsured coverage amounts
you require to meet your family or personal needs.
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Arizona does not require (PIP) or personal injury protection coverage. This coverage
pays medical bills for injuries suffered in a boat accident regardless of who caused
the accident.
Click on the link below to fill out a secure quote request form for an Arizona Boat
Insurance policy that will provide reliable insurance coverage for your boat at an
affordable cost. Or speak with our Arizona Boat Insurance specialist at
(520) 323-6887 to discuss the boat insurance policy features in more detail.
Arizona Boat Insurance Information
Proudly Serving Arizona
Since 1983!
ARIZONA
INSURANCE CLINIC
Arizona Boat Insurance Information
Arizona
Personal
Insurance
Boat
Insurance
Arizona Insurance Clinic
4925 5th Street
Suite 101
Tucson, Arizona 85711
Pima County AZ
(520) 323-6887
Fax: (520) 323-9665
Arizona Boat Insurance Policy Questions

Are boat insurance rates higher for new boat owners?

Boating experience is one of the factors incorporated into boat insurance rating. If you have little or no prior
boating experience, it's understandably difficult for an insurance carrier to judge your ability to operate a boat
safely. Therefore, first time boat owners can expect to pay more for boat insurance than an experienced
boater. Completing a boat safety course as a first time owner will demonstrate both a willingness and ability to
operate your boat safely and that can help to reduce rates.

Is there a difference between boat and yacht insurance?

A boat is usually classified as being 26 feet long or smaller, and a yacht is 27 feet and larger. As a longer
vessel, yachts often have larger navigational ranges, encounter a larger variety of hazards, so yacht insurance
tends to be more detailed and expensive than a smaller boat insurance policy.
Boat Insurance Considerations

Hull coverage protects the value of your boat or yacht. There are three primary types of coverage.

Replacement Cost
Under this policy type your totally destroyed 2008 model year boat will be replaced by the insurance company
with the same year and model boat in like condition or you will be given sufficient money to buy that same
year and model in like condition.

Agreed Value Contract
You are paid the boat insurance policy amount limit.

Actual Cash Value
The insurance carrier pays you the depreciated value of the boat.

If your boat sinks in a navigable waterway, you will be required to raise the boat and move it at your own cost
if you have not included this coverage in your boat insurance policy. This can be a large expense so you
should consider the options when setting up your Arizona boat insurance policy parameters.

It's also important to remember that your Arizona boat insurance will be voided if you travel outside the
specific navigation area that your boat or yacht is insured for. This is normally a warranty / guarantee on
most boat insurance policies. Study your policy closely.
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