There’s no way around it: When you’re out on the water there’s always a chance that something might go wrong. One of the most important things you can do is make sure you’ll have help with medical bills if you should get hurt in an accident.
Medical Payments Coverage
If you or someone in your household gets injured on a boat covered in your policy, this coverage typically helps take care of the medical expenses that come afterward.
When you’re in the boat, you’re covered—and so are your passengers. Water-skiers being pulled behind the boat are also covered. If you or your passengers should get injured by another boat while swimming near your boat, Medical Payments coverage typically kicks in then, too. The limit you choose for this coverage will decide how much that coverage could be.
How We Cover Your Boat
When something goes wrong, good boat insurance coverage could mean the difference between sinking and swimming.
Physical Damage Coverage
This optional coverage typically takes care of your boat, motor, and trailer all the time—when you’re storing it, hauling it, launching it, or out on the water. If it’s stolen, vandalized, or damaged by wind, hail, lightning, fire, or explosion, this coverage can help. It also covers emergency service (up to $100), wreck removal, and other boat equipment.
You can choose a different amount of Physical Damage coverage for each boat on your boat insurance policy. You’ll also need to choose a deductible. (If you have to file a claim, that’s the amount of money you’ll need to pay before your coverage kicks in.) You can pick a different deductible for each boat on your policy.
How We Cover the Rest
If you’re in an accident, there’s a good chance someone else was involved. And if you’re at fault, you’ll want strong liability coverage.
Watercraft Liability Coverage
Even the safest boat operator can have a bad day. And this coverage typically makes a big difference If you or someone else in your household has a boating or jet ski accident that:
damages a dock, damages another boat, or injures someone else (including a swimmer or water skier).
Motor Home Insurance
The Allstate Motor Home Policy offers you:
Bodily Injury Liability Protection – providing protection if you or another insured driver are legally liable in a covered accident in which others are injured or killed.
Property Damage Liability Protection – providing protection if you or another insured driver are legally liable for damages to another person’s property resulting from a covered accident.
Collision Coverage – Provides protection for damage from a covered accident to your insured motor home.
Sound System – A sound system permanently installed by the manufacturer is covered up to $2,500, less your policy deductible.
Contents Coverage – Provides coverage for loss or damage to covered property contained in your motor home when caused by fire or lightning.
Medical Payments Coverage – Provides coverage if you, family members, or your passengers receive necessary medical treatment, services or products for bodily injury caused by a covered accident.
Personal Injury Protection Coverage (PIP) – Also called “no-fault” insurance, PIP typically provides coverage for you, family members, or your passengers for reasonable and necessary medical, rehabilitation, or funeral expenses, even work loss, survivors’ loss and essential services expenses caused by covered accidents. This coverage varies by state.
Optional coverages to help customize your policy: *
Uninsured & Underinsured Motorist Coverage – Provides coverage if you, a family member, or your passengers are injured or killed in a covered accident involving a driver who doesn’t have insurance at all or who doesn’t have enough insurance to cover the damage they cause you.
Towing and Labor Costs Coverage – Allstate will pay the costs for labor done on your motor home at the place of disablement and for necessary towing of your motor home because of covered disablement.
Rental Reimbursement Coverage – Provides coverage for the cost of renting a motor home or automobile if you purchase comprehensive and/or collision coverage and the loss to your motor home involves either of these coverages.