GEICO Boaters Insurance

GEICO Boaters Insurance FAQ

What types of boat insurance coverage does GEICO Boaters Insurance offer?

• Fuel Spill Clean-Up: Protects you from cleanup claims or third-party damage caused by the accidental discharge of oil or fuel.

• Salvage/Wreckage Removal: Some standard insurance policies will subtract salvage costs from the insured value of the boat or only offer a small percentage of the coverage amount for salvage. This endorsement protects from the specific costs and liability that go with a wreckage or salvage.

• Fishing Equipment and Carry-On Items: Add replacement coverage for fishing rods, reels, and tackle boxes. You can also add personal effects coverage for items you carry on your boat, such as phones and SCUBA gear. Items are covered if they’re damaged, stolen or fall off your boat.

• Hurricane Coverage: Pays for the damages caused by tropical storms, tornadoes, windstorms, and hurricanes.

• Ice / Freeze Coverage: Protection for damage from snow, ice or freezing. Even if you choose to pay for indoor heated storage, you may need this rider in cases of electricity failure.

• Total Loss Replacement: If it's a total loss, this policy will pay you based on the agreed value, actual cash value or the replacement cost value.

• Non-Owner Liability Coverage: This policy helps you out if you use a boat that you don't own. It is also used by businesses who want to provide coverage for their employees when they use their boats for work. In some cases this endorsement will also cover a rental boat.

• Transport Trailer Coverage: This covers non-motorized trailers used to tow your boat. If the trailer is damaged or causes damage, this policy will cover the costs and tow your boat.

What benefits does GEICO Boaters Insurance offer?

• 24/7 Phone Availability: Customer service is staffed around the clock.

• Digital Claims Reporting: Never fax or mail a document again.

What is the financial strength rating of GEICO Boaters Insurance?