Watercraft Coverage A
We accept debit, cash and cheque.Watercraft Coverage insures against all perils of direct physical loss or damage to:
- Outboard motors
- Accessories & equipment
Further agrees to insure personal property against:
- All perils of direct physical loss or damage while being on board or carried on board the Insured Watercraft.
Insures Tenders/Outboard Motors against:
- All perils of direct physical loss or damage while being carried on board the insured watercraft or used in conjunction with the insured watercraft.
Watercraft Coverage B
Protection & Indemnity
Insures against liability arising out of the ownership, maintenance or use of boats and/or motors described for the following:
Bodily Injury & Property Damage Liability
Assumed by the insured under any written agreement relating to the ownership, maintenance or use for pleasure purposed of the watercraft and/or motors described for damages, including damages for care & loss of service because of bodily injury and property damage.
Pay max $1000 for loss sustained by any person not hereinafter excluded, by reason of the payment by or on behalf of such person of reasonable medical, surgical, ambulance, hospictal, professional nursing and funeral expense resulting form BI caused by an accident to suc peson as a result of operating, being carried in or upon or getting onto or alighting from a watercraft descried & incurred within one year of date or accident.
Additional Agreements of Coverage B
- Supplementary Payments
Howard Mutual has been owned by its policy-holders since its inception in 1892. After paying claims, managing bills and running the company, if the company makes a profit underwriting, the policy-holders get a cheque. It is that simple.