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Personal Lines
Boating is fun and safe boating should have its rewards. One of the rewards is a Patrons
Oxford boatowners policy. When losses are minimized due to safe boating practices, the cost
of insurance is also reduced. Our boatowner policy offers coverage for eligible watercraft.
This policy insures boats owned by individuals for personal pleasure use.
Some of the "highlights" of our Boatowners Program are:
- physical damage and liability coverage provided on one policy.
- separate deductible options.
- $1,500 provided at no charge for miscellaneous property.
- up to $50 towing and labor arising out of a disablement of the covered boat provided at no charge.
Other benefits include:
- "All Risk" coverage - what, exactly does that mean? Covered property is insured against direct risks of physical loss that are not specifically excluded by the terms of the policy form.
- medical expenses for accidents arising from a covered boat exposure - pays for the insureds, as well as other persons injured in a covered accident.
- $10,000 per accident for Uninsured Boaters Coverage.
- covers losses, bodily injury and property damage that occur upon the land, coastal waters, tributaries, inland lakes and rivers of the United States and Canada.
These are not all the benefits of a Patrons Oxford boatowner policy, there are many more, like saving $$$ by:
- Choosing higher deductibles
- Successful completion of U.S. Power Squadron or Coast Guard Auxiliary courses
- fire and smoke alarm systems
- built-in fire extinguishing system
- ship-to-shore radio
- depth sounder/finder
- radar/loran
- diesel powered
- fume or vapor detection
- trailer ball locking device
- theft prevention device
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