Insurance since
1894
DeMeritt Agency
Inc.
6 Center St, P O Box
248
Exeter NH 03833
603-778-7304, Toll free in NH 1-800-974-7304
Fax 603-772-8339
contact@demerittagency.com
Boat or Watercraft Insurance
Boat Insurance is insurance
for a watercraft, whether that watercraft is a boat, a sailboat, a
yacht or some other marine vehicle. Each year hundreds of lives are
lost... thousands are injured... and millions of dollars of property
damage occurs because of preventable recreational boating accidents on
U.S. waterways. Download Boating Safety Tips here.
Too often pleasure outings turn tragic.
The boat operator, passenger, or concerned individual — can
make a difference. A boating accident report must be filed when...
• A life is lost due to the accident.
• Someone is injured and requires medical attention beyond
first aid.
• There is damage by or to the vessel and other property.
• Any person on board a vessel disappears (under circumstances
indicating possible death or injury).
Boating Accidents Include:
• Capsizing Falls
• Overboard Collisions
• Sinking/Flooding
• Explosions
• Disappearance
• Fire
Watercraft
policies are written for both hull (the physical boat itself), and
P&I (Protection and Indemnity
Liability).
Small watercraft like canoes, sailboats,
and rowboats are usually written for hull coverage, since a
person’s homeowners policy provides liability coverage. Theft
under a homeowners policy does not cover off premises, and is limited
to value on premises (your residence).
If you have any type of
watercraft, discuss with our Agency the coverage you need. 
An informative article on
the right type of
coverage to get, and what it covers, may be read at the ACE
Recreational Marine Insurance web site here, or their quick
tip coverage sheet.
Protect yourself, guests, and vessel by
learning
about smoke detectors for your boat. ACE Recreational Marine
has
provided a pamphlet of information for our customers, which you can download
and read.
For information on important
recommendations for protecting trailerable and non-trailerable boats
and marine facilities against hurricane and storm damage, download this
pamphlet from ACE Recreational
Marine Insurance.
A good
guide to safe boating practices may be downloaded here.
Teach your kids the fun way to learn
boat safety at
this neat site.
