{"id":11741,"date":"2024-12-23T14:28:49","date_gmt":"2024-12-23T20:28:49","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=insight&#038;p=11741"},"modified":"2025-03-05T16:02:48","modified_gmt":"2025-03-05T22:02:48","slug":"protecting-watercraft-a-guide-to-comprehensive-coverage","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/","title":{"rendered":"Protecting Watercraft: A Guide to Comprehensive Coverage"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image hero--background-image-blur\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\" style=\"background: url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_WebsiteHeader-1.jpg) center center no-repeat; background-size: cover;\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100%  '>\n    <p class='text-white subheading'>Personal Insurance<\/p>\n    <h1 class='text-white    '>\n      Protecting Watercraft: A Guide to Comprehensive Coverage\n    <\/h1>\n\t\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h1 class='text-brand-dark-blue    h2'>\n      Protecting Watercraft: A Guide to Comprehensive Coverage\n    <\/h1>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>Overview<\/h3>\n<p><span class=\"TextRun SCXW215574188 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW215574188 BCX0\">Your watercraft is more than just a boat. Whether <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">it\u2019s<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\"> a <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">runabout, <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">sailboat<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\"> or yacht, being on the water offers a connection to<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\"> the world <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">and promotes<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\"> peace and calm.<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\"> Along w<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">ith this rewarding lifestyle comes the responsibility of <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">ensuring<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\"> your <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">prized possessions<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\"> are protected. <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">In this guide, <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">the Brown &amp; Brown Personal Insurance team compiled key insights and considerations when <\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">navigating coverages<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\"> or claims<\/span><span class=\"NormalTextRun SCXW215574188 BCX0\">.<\/span><\/span><span class=\"EOP SCXW215574188 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW13655843 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW13655843 BCX0\">Hull Coverage<\/span><span class=\"NormalTextRun SCXW13655843 BCX0\">:<\/span> <span class=\"NormalTextRun SCXW13655843 BCX0\">Determining<\/span><span class=\"NormalTextRun SCXW13655843 BCX0\"> Insured Value<\/span><\/span><\/h3>\n<p><span data-contrast=\"auto\">Determining the value of your vessel is the cornerstone of your policy, helping your coverage align with the boat\u2019s worth. NADA guidance, the purchase price and\/or a marine survey can help determine this value. Several factors impact the value of the watercraft:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Age<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Condition<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Brand\/model<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Engine hours<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Maintenance history<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Upgrades\/accessories<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Selecting the correct valuation is critical. Like insuring your home, a comprehensive policy helps ensure you are adequately protected after a loss. The common types of coverages include the following:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Replacement cost coverage:<\/span><\/b><span data-contrast=\"auto\"> typically, only available for newer crafts (&lt;5 years), restoring the full cost of the vessel<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Agreed value: <\/span><\/b><span data-contrast=\"auto\">agreed-upon fixed amount<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Actual cash value: <\/span><\/b><span data-contrast=\"auto\">coverage is based on the depreciated value of the vessel at the time of loss; while less favorable, it is typically the only option for older\/worn vessels<\/span><\/li>\n<\/ul>\n<h3><span class=\"NormalTextRun SCXW4291652 BCX0\">Endorsements: <\/span><span class=\"NormalTextRun SCXW4291652 BCX0\">Increased Coverage<\/span><span class=\"NormalTextRun SCXW4291652 BCX0\"> Options<\/span><\/h3>\n<p><span data-contrast=\"auto\">Basic hull coverage is a great foundation, but endorsements allow further policy customization.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Specialized property coverage<\/span><\/b><span data-contrast=\"auto\"> protects valuable items stored onboard.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Survey and inspection costs<\/span><\/b><span data-contrast=\"auto\"> cover hull inspections after a covered loss\/suspected damage.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Charter coverage <\/span><\/b><span data-contrast=\"auto\">covers four charters annually, often priced on the vessel\u2019s value, and requires a licensed captain to be onboard.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Boat show coverage <\/span><\/b><span data-contrast=\"auto\">offers<\/span> <span data-contrast=\"auto\">protection during exhibitions\/boat shows.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Technology comprises a large percentage of the hull value, especially for modern vessels, and is typically the largest expense or upgrade for watercraft. A few of the systems to consider include:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Chart plotters:<\/span><\/b><span data-contrast=\"auto\"> helpful for navigation, basic chart plotters can cost a few hundred dollars, while fully integrated multi-function displays with transducers and antennas can cost thousands<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Radar and automatic identification systems (AIS): <\/span><\/b><span data-contrast=\"auto\">radar detects objects like other boats or land while AIS helps track other vessels, which is helpful to avoid collisions, especially when experiencing low-visibility conditions<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Autopilot<\/span><\/b><span data-contrast=\"auto\">: a self-steering system that can route preset courses; requires vigilance, as it cannot detect obstacles or other vessels<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Wind instruments<\/span><\/b><span data-contrast=\"auto\">: provide the wind speed, velocity and direction to help with steering, docking or anchoring<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Sonar<\/span><\/b><span data-contrast=\"auto\">: also called fish finders, sonar technology can help detect underwater objects<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Engine monitors: <\/span><\/b><span data-contrast=\"auto\">display important engine data, including diagnostics, fluid levels and temperature<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><strong><span class=\"TextRun SCXW240172932 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW240172932 BCX0\">Radios:<\/span><\/span><\/strong><span class=\"TextRun SCXW240172932 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"> <span class=\"NormalTextRun SCXW240172932 BCX0\">allow communication<\/span><span class=\"NormalTextRun SCXW240172932 BCX0\">;<\/span> <span class=\"NormalTextRun SCXW240172932 BCX0\">very-high frequency (VHF) radios cover short<\/span><span class=\"NormalTextRun SCXW240172932 BCX0\"> ranges (2-3 miles) while <\/span><span class=\"NormalTextRun SCXW240172932 BCX0\">single sideband (SSB) enables long-distance communications with other boats, <\/span><span class=\"NormalTextRun SCXW240172932 BCX0\">marinas<\/span><span class=\"NormalTextRun SCXW240172932 BCX0\"> or <\/span><span class=\"NormalTextRun SCXW240172932 BCX0\">emergency services<\/span><\/span><span class=\"EOP SCXW240172932 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span class=\"TextRun SCXW250103301 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW250103301 BCX0\">Most Common Insurance Claims for Watercraft<\/span><\/span><\/h3>\n<p><span data-contrast=\"auto\">Owning a boat comes with unique risks, ranging from unpredictable weather to liability concerns that could lead to costly repairs or financial loss. These potential scenarios make having a comprehensive watercraft insurance policy an invaluable safeguard. The following list is a breakdown of the most common watercraft claims and strategies to help mitigate risk.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ol>\n<li><b><span data-contrast=\"auto\">Weather Damage: <\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"><span class=\"TextRun SCXW257776762 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW257776762 BCX0\">High winds<\/span><span class=\"NormalTextRun SCXW257776762 BCX0\"> and storms can cause <\/span><span class=\"NormalTextRun SCXW257776762 BCX0\">significant damage<\/span><span class=\"NormalTextRun SCXW257776762 BCX0\">, <\/span><span class=\"NormalTextRun SCXW257776762 BCX0\">from cosmetic <\/span><span class=\"NormalTextRun SCXW257776762 BCX0\">issues<\/span> <span class=\"NormalTextRun SCXW257776762 BCX0\">to total loss.<\/span><span class=\"NormalTextRun SCXW257776762 BCX0\"> Properly securing vessels<\/span><span class=\"NormalTextRun SCXW257776762 BCX0\"> during storms and taking proactive measures before hurricane season is essential. Review your insurance policy to confirm that it provides sufficient coverage<\/span><span class=\"NormalTextRun SCXW257776762 BCX0\"> for weather-related incidents. Comprehensive coverage is often necessary to avoid substantial out-of-pocket expenses.<\/span><\/span><span class=\"EOP SCXW257776762 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"><br \/>\n<\/span><\/span><\/span><\/li>\n<li><strong><strong><strong>Sinking: <\/strong><\/strong><\/strong><span class=\"NormalTextRun SCXW32646391 BCX0\">Sinking incidents are typically caused by storms, <\/span><span class=\"NormalTextRun SCXW32646391 BCX0\">collisions with underwater objects or maintenance issues. These events often require expensive <\/span><span class=\"NormalTextRun SCXW32646391 BCX0\">salvage<\/span><span class=\"NormalTextRun SCXW32646391 BCX0\"> operations and repair<\/span><span class=\"NormalTextRun SCXW32646391 BCX0\">s<\/span><span class=\"NormalTextRun SCXW32646391 BCX0\">, and p<\/span><span class=\"NormalTextRun SCXW32646391 BCX0\">olicies should include provisions for these costs<\/span><span class=\"NormalTextRun SCXW32646391 BCX0\">. Claims related to sinking can be complex and complicated, <\/span><span class=\"NormalTextRun SCXW32646391 BCX0\">and consulting a marine insurance attorney or working closely with your insurer can help streamline the claims process.<\/span><strong><br \/>\n<\/strong><\/li>\n<li><strong><strong><strong>Collision with Another Vessel: <\/strong><\/strong><\/strong><span class=\"NormalTextRun SCXW244895668 BCX0\">Collision damage can range from minor scratches to extensive repairs. If found at fault, liability coverage is important to offset repair costs for the other vessel<\/span><span class=\"NormalTextRun SCXW244895668 BCX0\"> and<\/span><span class=\"NormalTextRun SCXW244895668 BCX0\"> any <\/span><span class=\"NormalTextRun SCXW244895668 BCX0\">medical expenses. <\/span><span class=\"NormalTextRun SCXW244895668 BCX0\">Review policy details with your insurance provider, especially when there are complex claims involving <\/span><span class=\"NormalTextRun SCXW244895668 BCX0\"><span class=\"NormalTextRun SCXW244895668 BCX0\">injuries.<\/span><\/span><\/li>\n<li><strong><strong><strong>Impacts with Submerged Objects: <\/strong><\/strong><\/strong><span class=\"TextRun SCXW85666546 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW85666546 BCX0\">Submerged rocks, reefs or debris can cause <\/span><span class=\"NormalTextRun SCXW85666546 BCX0\">significant damage<\/span><span class=\"NormalTextRun SCXW85666546 BCX0\"> to a vessel\u2019s hull, propellor or engine. Comprehensive coverage includes policies covering damage<\/span><span class=\"NormalTextRun SCXW85666546 BCX0\"> caused by submerged objects<\/span><span class=\"NormalTextRun SCXW85666546 BCX0\">, though coverage limits and <\/span><span class=\"NormalTextRun SCXW85666546 BCX0\">deductibles<\/span><span class=\"NormalTextRun SCXW85666546 BCX0\"> vary<\/span><span class=\"NormalTextRun SCXW85666546 BCX0\">. Preventative measures, such as regular inspections or navigational tools<\/span><span class=\"NormalTextRun SCXW85666546 BCX0\">,<\/span><span class=\"NormalTextRun SCXW85666546 BCX0\"> can help reduce the likelihood of these incidents.\u00a0<\/span><\/span><\/li>\n<li><strong><strong><strong>Fire or Explosion: <\/strong><\/strong><\/strong><span class=\"TextRun SCXW145830540 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW145830540 BCX0\">Despite <\/span><span class=\"NormalTextRun SCXW145830540 BCX0\">advancing<\/span><span class=\"NormalTextRun SCXW145830540 BCX0\"> safety standards and <\/span><span class=\"NormalTextRun SCXW145830540 BCX0\">technology, fire<\/span><span class=\"NormalTextRun SCXW145830540 BCX0\"> and explosions <\/span><span class=\"NormalTextRun SCXW145830540 BCX0\">remain<\/span><span class=\"NormalTextRun SCXW145830540 BCX0\"> a risk due to fuel leaks, electrical <\/span><span class=\"NormalTextRun SCXW145830540 BCX0\">malfunctions<\/span> <span class=\"NormalTextRun SCXW145830540 BCX0\">or improper appliance usage. <\/span><span class=\"NormalTextRun SCXW145830540 BCX0\">Comprehensive policies should include coverage for fire-related <\/span><span class=\"NormalTextRun SCXW145830540 BCX0\">damage<\/span><span class=\"NormalTextRun SCXW145830540 BCX0\"> or losses. Regula<\/span><span class=\"NormalTextRun SCXW145830540 BCX0\">rly<\/span><span class=\"NormalTextRun SCXW145830540 BCX0\"> inspecting electrical systems, adhering to fueling protocols and investing in fire<\/span><span class=\"NormalTextRun SCXW145830540 BCX0\"> safety\/suppression equipment can help prevent these <\/span><span class=\"NormalTextRun SCXW145830540 BCX0\">events.<\/span><\/span><\/li>\n<\/ol>\n<p><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\">Other common claims include theft, <\/span><span class=\"NormalTextRun SCXW213148826 BCX0\">grounding, <\/span><span class=\"NormalTextRun SCXW213148826 BCX0\">vandalism<\/span><span class=\"NormalTextRun SCXW213148826 BCX0\"> and medical payments. <\/span><\/span><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\">Theft<\/span><\/span><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\"> of boats or equipment is common, making secure storage and up-to-date comprehensive coverage essential. <\/span><\/span><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\">Grounding<\/span><\/span><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\"> incidents can result in costly towing and repairs, underscoring the importance of collision and recovery provisions. <\/span><\/span><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\">Vandalism<\/span><\/span><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\"> coverage protects against property damage, while liability insurance safeguards against medical expenses, property damage and legal costs resulting from accidents or injuries. <\/span><\/span><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\">Medical payment <\/span><\/span><span class=\"TextRun SCXW213148826 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW213148826 BCX0\">coverage further ensures financial protection for passengers, regardless of fault.<\/span><\/span><span class=\"EOP SCXW213148826 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW108366959 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW108366959 BCX0\"> Protecting Your Investment<\/span><\/span><\/h3>\n<p><span class=\"TextRun SCXW36491454 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW36491454 BCX0\">Your boat is a mode of transportation, a valuable <\/span><span class=\"NormalTextRun SCXW36491454 BCX0\">investment<\/span><span class=\"NormalTextRun SCXW36491454 BCX0\"> and a source of enjoyment. A comprehensive boat insurance policy provides peace of mind, knowing you<\/span><span class=\"NormalTextRun SCXW36491454 BCX0\"> a<\/span><span class=\"NormalTextRun SCXW36491454 BCX0\">re prepared for the unexpected. By understanding the most common <\/span><span class=\"NormalTextRun SCXW36491454 BCX0\">coverages and <\/span><span class=\"NormalTextRun SCXW36491454 BCX0\">claims, you can focus on enjoying your time on the water without worry.<\/span><span class=\"NormalTextRun SCXW36491454 BCX0\"> Brown &amp; Brown\u2019s Personal Insurance <\/span><span class=\"NormalTextRun SCXW36491454 BCX0\">Marine <\/span><span class=\"NormalTextRun SCXW36491454 BCX0\">team has the knowledge and experience to help offer you a personalized solution to fit your specific marine needs.\u00a0<\/span><\/span><span class=\"EOP SCXW36491454 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>[\/vc_column_text]\t<div class='wpb_content_element text-left btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/Protecting-Watercraft-Guide-Brown-Brown_WEB.pdf' target='_blank' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Download PDF<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1021&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_separator border_width=&#8221;2&#8243; el_width=&#8221;60&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h6 style=\"text-align: center;\">Personal Insurance Team<\/h6>\n<p>[\/vc_column_text]\t<div class='wpb_content_element text-center btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-dark-blue  '\n\t\t\t\thref='\/us\/contact\/contact-general\/' target='' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Connect Now<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;] Overview Your watercraft is more than just a boat. Whether it\u2019s a runabout, sailboat or yacht, being on the water offers a connection to the [&hellip;]<\/p>\n","protected":false},"author":66,"featured_media":11827,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"insight_category":[52],"class_list":["post-11741","insight","type-insight","status-publish","has-post-thumbnail","hentry","insight_category-personal-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Protecting Watercraft: A Guide to Comprehensive Coverage - Brown &amp; Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protecting Watercraft: A Guide to Comprehensive Coverage\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;] Overview Your watercraft is more than just a boat. Whether it\u2019s a runabout, sailboat or yacht, being on the water offers a connection to the [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/\" \/>\n<meta property=\"og:site_name\" content=\"Brown &amp; Brown\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-05T22:02:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_LinkedInGraphic-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/\",\"url\":\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/\",\"name\":\"Protecting Watercraft: A Guide to Comprehensive Coverage - Brown &amp; Brown\",\"isPartOf\":{\"@id\":\"https:\/\/www.bbrown.com\/us\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_WebsiteHeader-1.jpg\",\"datePublished\":\"2024-12-23T20:28:49+00:00\",\"dateModified\":\"2025-03-05T22:02:48+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#breadcrumb\"},\"inLanguage\":\"us\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"us\",\"@id\":\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#primaryimage\",\"url\":\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_WebsiteHeader-1.jpg\",\"contentUrl\":\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_WebsiteHeader-1.jpg\",\"width\":1000,\"height\":667},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.bbrown.com\/us\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insights\",\"item\":\"https:\/\/www.bbrown.com\/us\/news-events\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Protecting Watercraft: A Guide to Comprehensive Coverage\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.bbrown.com\/us\/#website\",\"url\":\"https:\/\/www.bbrown.com\/us\/\",\"name\":\"Brown &amp; Brown\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.bbrown.com\/us\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.bbrown.com\/us\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"us\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.bbrown.com\/us\/#organization\",\"name\":\"Brown &amp; Brown\",\"url\":\"https:\/\/www.bbrown.com\/us\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"us\",\"@id\":\"https:\/\/www.bbrown.com\/us\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2021\/12\/cropped-BBRetail002-RGBrevs.png\",\"contentUrl\":\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2021\/12\/cropped-BBRetail002-RGBrevs.png\",\"width\":1000,\"height\":136,\"caption\":\"Brown &amp; Brown\"},\"image\":{\"@id\":\"https:\/\/www.bbrown.com\/us\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Protecting Watercraft: A Guide to Comprehensive Coverage - Brown &amp; Brown","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/","og_locale":"en_US","og_type":"article","og_title":"Protecting Watercraft: A Guide to Comprehensive Coverage","og_description":"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;] Overview Your watercraft is more than just a boat. Whether it\u2019s a runabout, sailboat or yacht, being on the water offers a connection to the [&hellip;]","og_url":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/","og_site_name":"Brown &amp; Brown","article_modified_time":"2025-03-05T22:02:48+00:00","og_image":[{"width":2560,"height":1280,"url":"https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_LinkedInGraphic-scaled-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/","url":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/","name":"Protecting Watercraft: A Guide to Comprehensive Coverage - Brown &amp; Brown","isPartOf":{"@id":"https:\/\/www.bbrown.com\/us\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#primaryimage"},"image":{"@id":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#primaryimage"},"thumbnailUrl":"https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_WebsiteHeader-1.jpg","datePublished":"2024-12-23T20:28:49+00:00","dateModified":"2025-03-05T22:02:48+00:00","breadcrumb":{"@id":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#breadcrumb"},"inLanguage":"us","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/"]}]},{"@type":"ImageObject","inLanguage":"us","@id":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#primaryimage","url":"https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_WebsiteHeader-1.jpg","contentUrl":"https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/12\/ProtectingWatercraftGuide_WebsiteHeader-1.jpg","width":1000,"height":667},{"@type":"BreadcrumbList","@id":"https:\/\/www.bbrown.com\/us\/insight\/protecting-watercraft-a-guide-to-comprehensive-coverage\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.bbrown.com\/us\/"},{"@type":"ListItem","position":2,"name":"Insights","item":"https:\/\/www.bbrown.com\/us\/news-events\/"},{"@type":"ListItem","position":3,"name":"Protecting Watercraft: A Guide to Comprehensive Coverage"}]},{"@type":"WebSite","@id":"https:\/\/www.bbrown.com\/us\/#website","url":"https:\/\/www.bbrown.com\/us\/","name":"Brown &amp; Brown","description":"","publisher":{"@id":"https:\/\/www.bbrown.com\/us\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.bbrown.com\/us\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"us"},{"@type":"Organization","@id":"https:\/\/www.bbrown.com\/us\/#organization","name":"Brown &amp; Brown","url":"https:\/\/www.bbrown.com\/us\/","logo":{"@type":"ImageObject","inLanguage":"us","@id":"https:\/\/www.bbrown.com\/us\/#\/schema\/logo\/image\/","url":"https:\/\/www.bbrown.com\/wp-content\/uploads\/2021\/12\/cropped-BBRetail002-RGBrevs.png","contentUrl":"https:\/\/www.bbrown.com\/wp-content\/uploads\/2021\/12\/cropped-BBRetail002-RGBrevs.png","width":1000,"height":136,"caption":"Brown &amp; Brown"},"image":{"@id":"https:\/\/www.bbrown.com\/us\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/insight\/11741","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/types\/insight"}],"author":[{"embeddable":true,"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/users\/66"}],"version-history":[{"count":0,"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/insight\/11741\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/media\/11827"}],"wp:attachment":[{"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/media?parent=11741"}],"wp:term":[{"taxonomy":"insight_category","embeddable":true,"href":"https:\/\/www.bbrown.com\/us\/wp-json\/wp\/v2\/insight_category?post=11741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}