| If you can't find a reason to
feel happy about your boat insurance, maybe you need to talk to Jess
Akin Insurance. We may not only have the best rate, but we can offer you
coverage that makes solid financial sense and saves you money when you
have a claim. Our customers tell us they selected Jess Akin Insurance
for several reasons... |
| Broad
Acceptance |
We have a rate for most boats and personal watercraft.
Watercraft we insure. |
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| Runabout Boat |
| A boat usually for day use which is
powered by motor and is used for recreational boating, fishing and
water-skiing. The hull design is usually a vee or semi-vee. |
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| Runabouts are typically referred to as open bow or cuddy cabins. Open
bows allow for seating in the bow portion of the boat. Cuddy cabins have
an enclosed cabin, typically with small sleeping quarters. |
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| Mini-Jet Boat |
| Jet propelled boat usually less than 18
feet in length with a rider capacity of 4 to 7 persons. |
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| Sailboat |
| A boat which utilizes at least one sail
for power. Sailboats may also have a motor which is used as additional
power source. |
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| Pontoon |
| A boat built on pontoons with a flat
surface to walk and sit on. These tend to be flat bottomed and are
designed for slow movement in the water. |
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| House Boat |
| A boat that looks like a house over a
floating base. These tend to be flat bottomed and designed for slow
movement in the water. |
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| Houseboats are equipped with kitchen and sleeping facilities and
often appear like a box on the water due to their design. Jess Akin Insurance
does not accept houseboats as a primary residence. |
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| Cabin Cruiser |
| A boat with a cabin. Normally, it is either a deep vee or a displacement
hull (moves water aside in lieu of cutting through the water). It may be
equipped with just a v-berth or may include several berths. |
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| To be classified as a true cabin cruiser, the boat must include a
bathroom & galley. Be careful not confuse a cabin cruiser with a
cuddy cabin. A cabin cruiser is typically much larger, 27 feet and
above. |
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| Bass Boat |
| A boat designed for fishing. Normally a low profile boat, which may be
equipped with special seats which are designed for optimum fishing. It
may also include rod holders, an aerated bait holder, a fish cleaning
station, or built in tackle boxes. |
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| Fishing Boats,
other than Bass |
| Boats designed for the primary purpose of fishing. This may include
sport fishing boats and center console boats. |
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| Personal
Watercraft |
| Water jet-pump-driven boats which are generally less than 13 feet in
length (Jetskis and Waverunners). |
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| Personal watercraft (PWC) come in many sizes and can now easily
accommodate four people. In addition, many personal watercrafts can pull
a skier. |
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| Flexible Payment
Plans |
| We offer many ways to pay your premium, including low down payments
plans and monthly electronic funds transfer (EFT) from your checking
account. |
| |
| Great Coverage's |
| We offer a variety of coverage's to meet your needs. From an economical
actual cash value coverage to a hassle-free agreed value coverage. The
choice is yours. Available Coverage's. |
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| Liability Bodily
Injury and Property Damage |
| Bodily Injury and Property Damage
Liability Coverage covers your legal liability for an accident where
there is damage or injury for someone else up to the limit of liability
you select. Your insurance company pays for the cost to replace or
repair damaged property, the medical bills and wage loss incurred by an
injured person, and other damages you are legally obligated to pay as
result of an accident. Jess akin Insurance offers BIPD limit options up to $500
Combined Single Limit (CSL). |
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| Explanation of limits of coverage: |
- $15-person, means no more than $15,000 would be paid per
person for Bodily Injury
- Max $30-accident, means no more than $30,000 would be paid
per accident for Bodily Injury
- PD $10-accident, means no more than $10,000 would be paid
per accident for Property Damage
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| Uninsured Boater
Coverage |
| Uninsured Boater Coverage (Optional)
Uninsured Boater Bodily Injury Coverage pays for medical treatment,
wage loss, and other damages you would have received from the other
person's insurance company, had they been insured. |
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| Medical Payments
Coverage |
| 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. In some states, this coverage only applies after
other medical insurance is exhausted. |
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| Comprehensive and
Collision |
| Comprehensive and Collision Coverage covers the cost to repair or
replace your watercraft if it is stolen or damaged in an accident, no
matter who is at fault. You share in this cost by paying a deductible.
Under Collision Coverage, Jess Akin Insurance pays for damage caused when you
collide with another vehicle or object. Under Comprehensive Coverage,
Jess Akin Insurance pays for damage caused by an event other than collision,
such as fire, theft, or vandalism. |
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| Comprehensive and collision coverage means more at Jess Akin Insurance. More
choice. More service. More convenience. |
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| Three ways to insure your boat.
For great savings on your premium, select our base policy (Actual Cash
Value), which pays the market value at the time of a loss. Or choose Agreed
Value and in the event of a total loss, we'll pay you the value you
selected at the start of the policy, regardless of the current market
value. Or, for new boats, choose Total
Loss Replacement Cost. Then, if your boat is declared a total loss
within the first five model years, we'll replace it with the newest
model. |
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| Agreed Value |
| In the event of a covered total loss, Jess Akin Insurance will pay the rating
base on the policy (no deduction for depreciation and no deductible). |
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| Coverage is available on all boats. For boats 2 years old or less,
the sales receipt will serve as the rating base. If you do not have a
sales receipt, you may determine the rating base by looking at a BUC or
ABOS guide. |
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| For boats older than 2 years old, a written professional Marine
Survey completed by an accredited Marine Surveyor will establish the
rating base. |
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| Total Loss
Replacement |
| Replaces total losses with the latest model (new for old!) or, if not
available, a comparable model. |
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| Available on new boats purchased within the preceding 13 months.
Total Loss Replacement coverage requires a sales receipt. The sales
receipt will serve as the rating base. If you do not have a sales
receipt, the rating base may be determined by looking at a BUC or ABOS
guide. |
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| Once the coverage is purchased, it can remain in place through the
10th model year. For boats that at the time of a total loss are 5 models
years old or less, Jess Akin Insurance will replace the boat with the latest
model, or if not available, a comparable model. For boats that at the
time of total loss are older than 5 model years, Jess Akin Insurance will pay
the lower of the rating base or purchase price. |
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| Replacement Cost
for Personal Effects Coverage |
| Pays up to the specified replacement cost limits for loss of, or damage
to, your watercraft's contents that are normally used in conjunction
with the boat ($100 deductible for theft applies). This coverage is in
excess of any other applicable coverable. |
| Examples of personal effects: |
- Fishing equipment (maximum limit $300)
- Clothes
- Radio, compact disk
- Camera, binoculars
- Dishes, silverware, pots, pans, cups
- Personal computers, cellular phones
|
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| Personal effects does not include permanent and portable boating
equipment, which should be included in the overall value of the
watercraft. |
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| On-Water Towing
and Labor Coverage Service |
| This pays for towing and labor costs up to $1000 per occurrence. The
labor coverage applies when it is performed at the time and place of the
disablement, while the watercraft is in the water. This is a
reimbursement coverage. |
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| Roadside
Assistance |
| Included! Only with Jess akin Insurance! With all full-coverage policies
with trailers, if your are towing your boat and your vehicle or boat
trailer breaks down, we'll pay for the tow and any necessary labor
charges. All you do is sign-and-drive -- no out-of-pocket costs. |
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| Pays for towing to the nearest qualified repair facility and
necessary labor at the place of disablement when the towing vehicle or
boat trailer is disabled due to the following: |
| |
- mechanical or electrical breakdown
- dead battery
- flat tire
- lock-out
- insufficient supply of fuel, oil, water or other fluids
- entrapment in snow, mud, water or sand within 100 feet of the
roadway
|
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| Immediate "Sign & Drive" roadside assistance can be
obtained 24 hours a day any day of the week from anywhere in the US or
Canada. |
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| Service with your
Coverage |
| We're famous for our service and for the convenience and flexibility we
offer our customers. See some of our Coverage Services. |
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| Coverage
Services |
| Below are some of the extra
services that are included in with your |
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| Watercraft policy. |
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- Roadside Assistance. Sign- and- drive. No out-of-pocket costs.
This provides towing and labor at the place of disablement when the
towing vehicle or boat trailer is disabled. The coverage is included
in all full coverage policies for trailer able boats.
- Immediate Response claims service. 24 hours a day, 7
days a week.
Once we're notified of an accident or other claim, we'll promptly
come see you -- you won't have to waste your valuable time chasing
us.
- Hassle-free Customer Service. You can call us 24 hours a day, 7
days a week for customer service.
We'll answer any billing or other questions you may have and can
make any changes to your policy right over the phone.
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| Boat
Quote
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