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Premier Choice Insurance

4482 Commerce Dr Suite 112
Buford, GA 30518

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Boat/Watercraft Insurance in Georgia

Unlike operating a car in Georgia, you don’t need insurance to register or operate a boat or other types of watercraft to use them on the state’s waterways. However, that doesn’t mean you will escape financial liability in case something goes wrong with the boat or you get into an accident. You should still get a boater liability insurance policy that will cover your boat/watercraft in case you or a member of your family is responsible for causing the accident. A good boat/watercraft liability insurance policy should at least cover the following damages that can result from a boating or watercraft accident in the surround Buford, GA area.

Property Damage

Liability insurance will pay, up to a limit, the damage you caused to another boat or object - up to and including replacing the boat or object. The limit of the payout is determined at the time you obtain a policy.

Injury Costs

A general liability boat/watercraft insurance policy can also cover the medical costs of injuries to people who were hurt as a result of the accident. These medical costs can easily reach the hundreds of thousands of dollars depending on the type of injury. A liability insurance policy can also pay for the lost wages of the injured party.


The costs of cleaning up gas and oil spills as the result of an accident can be covered. This would include covering the costs of the personnel and equipment used in cleaning up the spill along with disposal costs.

Uninjured Boater Protection

You can get coverage to protect you in case another boater causes an accident with you and doesn’t carry a general liability boat/watercraft insurance to pay for your damages.

Boating without proper insurance is risky, and simply because Georgia doesn’t require boat/watercraft liability insurance before you get out on the water, it doesn’t mean you will not be financially responsible for the damages if something goes wrong. Call us at Premier Choice Insurance Agency in Buford, GA, we can make sure you are financially protected whether you are on land or water.

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