New Jersey Boat Insurance FAQ
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Insurance Services Since 1976"
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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 insurance coverage you can count on.
Let one of our experienced boat insurance specialists explain the different Liability
Limits, Comprehensive, Collision, Personal Injury Protection, Medical coverages,
and deductibles that are available for you to choose from. We offer affordable
boat insurance policies from a leader in the insurance industry.
New Jersey Boat Insurance Policy Information
Learn more about New Jersey Boat Insurance
coverage options below!
Click on the link below to fill out a quote request form
for a New Jersey Boat Insurance policy that will provide
first class boat insurance protection at an affordable
cost. Or speak with our New Jersey Boat Insurance
agent specialist at 732-680-4444 to discuss the features.
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 boat insurance policy.
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 boat insurance
policy.
New Jersey Boat Insurance FAQ
New Jersey Boat Insurance FAQ
New Jersey Boat Insurance FAQ
New Jersey Boat Insurance FAQ
Injuries that insured (you) cause to someone else is covered under this part of a boat
insurance policy. New Jersey has minimum liability insurance coverage requirements.
However, we recommend that you choose liability insurance coverage amounts that are
much higher than the minimums required by New Jersey law.
25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000
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.
Bodily Injury Liability
Property Damage Liability
Example of Liability limits:
Medical Payments Coverage covers the cost of necessary medical care provided to you
as a result of a boating accident and applies no matter who is at fault. The coverage
covers persons in your boat, named policy holder for personal watercraft, and will pay for
injuries caused while water-skiing or tubing.
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:
100/300 100=$100,000 - 300=$300,000
First number = uninsured boater maximum for one person injured in an accident.
Second number = uninsured boater maximum for all injuries in one accident.

Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-
fault driver who has no boat liability insurance.
Example of Uninsured limits:
"We're Your Local New Jersey Boat Insurance Policy Agent Specialist!"
We offer affordable New Jersey boat insurance policy premiums in the following NJ counties and cities:
Union County, Essex County, Bergen County, Passaic County, Sussex County, Morris County, Warren
County, Hunterdon County, Somerset County, Middlesex County, Monmouth County, Mercer County,
Burlington County, Clark, Newark, Jersey City, Elizabeth, Rahway, Colonia, Iselin, Avenel, Woodbridge,
Port Reading, Carteret, Perth Amboy, Fords, South Amboy, Metuchen, Plainfield, Dunellen, South
Plainfield, Green Brook, Fanwood, North Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn,
Springfield, Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex, Martinsville,
Piscataway, Edison, New Brunswick, Highland Park, North Brunswick, Sayreville, East Brunswick,
Somerset, Milltown, South River, Bound Brook, Somerville, Bridgewater, Bayonne, Linden, Roselle,
Hoboken, Union City, Weehawken, West New York, Guttenberg, Cliffside Park, Edgewater, North Bergen,
Secaucus, Fairview, Ridgefield, Fort Lee, Leonia, Palisades Park, Englewood Cliffs, Englewood, Bergenfield,
Teaneck, Paramus, Bogota, Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South
Hackensack, Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield, Elmwood Park,
Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford, Wallington, Passaic, Clifton, Paterson,
Totowa, West Paterson, Little Falls, Great Notch, North Caldwell, Cedar Grove, Verona, Montclair,
Bloomfield, West Orange, Glen Ridge, Belleville, Nutley, Kingsland, North Arlington, Kearney, Harrison,
East Orange, East Newark, Orange, Irvington, South Orange, Hillside, Townley, Livingston, Wayne,
Trenton, Camden, Atlantic City, Princeton, Vineland, Willingboro, and Toms River, NJ.
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American Insurance
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1129 Raritan Road
Clark, New Jersey 07066
(732) 680-4444
Fax: (732) 680-4067