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Watercraft & Boat Insurance

Whether you’re sailing, fishing or cruising on your boat, having the right insurance policy to shield you from financial disruptions is crucial for fully enjoying your vessel. Located in Bourbonnais, Illinois, the team at First Community Insurance & Annuity Center is here to provide you with tailored policies for all your boating needs. Trust us to navigate the waters of insurance so you can focus on creating memories out on the open water.  

Boat Insurance and How It Works  

Boat insurance is like a life jacket for your watercraft. It works as a contractual agreement between you and an insurance company wherein you pay premiums in exchange for financial coverage against various financial risks—such as damage to your boat, liability claims and theft—up to the limits of your chosen policy.  

Illinois features abundant lakes and rivers, offering extensive opportunities for seasoned sailors and recreational boaters alike. No two boat insurance policies are the same, as every owner will have their own needs and preferences. Most boat insurance policies, however, may offer the following coverage options:  

  • Collision damage coverage may help cover the repair or replacement of your boat in case of an accident.  
  • Comprehensive coverage may help cover incidents of theft or vandalism when your vessel isn’t in use. 
  • Liability coverage may help protect you in case of legal responsibility for bodily injury or property damage to others.  
  • Personal property coverage may help provide protection for personal belongings on board.  
  • Uninsured/underinsured boater protection may help cover damages if you are in an accident with a boater who is uninsured or underinsured.  
  • Emergency assistance coverage may help cover the cost of on-water assistance, such as towing.  

Where to Get Boat Insurance  

At First Community Insurance & Annuity Center, we’re here to help you find the perfect coverage for your boat, ensuring you can navigate the waters of Illinois with confidence. 

Ready to Set Sail?  

Don’t let uncertainty spoil your time on the water. Contact us today to learn more about our boat insurance solutions or to get an instant quote. 

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