American Pride Insurance Agency, LLC

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Coverage From Stem To Stern

Your boat, while probably one of your most treasured possessions, can also be your most vulnerable - at risk to storms, strong winds, theft, and accidents. That's why our boat coverage will provide shelter to your boat and protection for you and your passengers.

We will work with you to tailor your coverages and even offer you special discounts and deductible savings, depending on which deductible you choose. Our goal is to ensure that you, your passengers and your boat receive the customized protection and services you need.

What If Someone Got Hurt On My Boat?

We know that you're looking for added value when you choose an insurance company and you are sure to find it in our liability coverage. Liability insurance protects you and members of your household if you or they were legally liable for injuries to other people either on or off your boat, or if you or they accidentally caused damage to anyone else's property. We would also pay the costs to defend you in lawsuits brought against you.

What Do Limits Of Liability Mean?

These limits specify the most that will be paid for the entire accident. For example, $50,000/$100,000 Bodily Injury Liability means that each injured person is covered for up to $50,000 and that the most that will be paid to all injured persons combined is $100,000, for injuries sustained in a single accident. Your Bodily Injury Liability and Property Damage Liability may also be shown as a single limit, e.g., $100,000 Combined Single Limit (CSL).

Medical Payments covers a person who is injured on your boat. It pays reasonable medical expenses, regardless of fault, up to $1,000 for each injured person. (Higher limits are available).

Depending upon the kind of coverage you'll need and the amount you plan to spend, we'll help you select the right insurance that will work for you.

Additional Benefits

We provide payments to you for:

Repair cost for partial losses to your boat.

Protection for your boat, boating equipment, and accessories.

Emergency Service ($250 limit. Higher limits available.) coverage for towing and

labor on land or water, including delivery of fuel, oil, or a battery if your boat

breaks down.

Optional Coverage

Optional Personal Effects coverage is also available for:

Your clothing.

Portable radios.

Fishing equipment.

Water skis and more.

No matter what course you chart, rest assured knowing you're prepared for rough waters and that your boat itself is protected.

Ways To Cut Costs On Your Boat Insurance

We recognize the value of boating safety courses, protective devices, Courtesy Marine Examination (CME's), and more with many discounts (subject to individual qualification and state availability) on certain coverages:

Safety Course Discounts - for completing U.S. Coast Guard Auxiliary courses or

U.S. Power Squadron safety programs.

Protective Device Discounts - when your boat is equipped with a depth finder,

VHF ship-to-shore radio, radar system, burglar alarm, or other protective

devices.

Diesel Engine Discount - if your boat is powered by a diesel engine.

Coast Guard Certification Discount - for boats that have passed a Courtesy

Marine Examination (CME) provided by the Coast Guard Auxiliary.

Multi-Policy Discount - on your Boat Policy when you insure your auto and/or

home with us.

Take Advantage of Flexible Payment Plans

Flexible payment plans at API Auto & Home make things nice and easy. We offer a variety of direct billing options*. Also consider ExpressItsm, which conveniently deducts your payments from your checking account. This plan features no checks to write and no clutter. Plus, you get to pick your own billing dates. Simply select the 1st, 8th, 15th, or 22nd day of the month as the day you want your payment automatically deducted from your account -- the choice is yours!

* Minimum annual premium required. Payment plans vary by state.

Value And Convenience

When you purchase a boat insurance policy from API Auto & Home, you get round-the-clock claim service. If you ever had a loss, or needed to discuss an important matter on a claim, you could just pick up the phone and call us at 1-800-854-6011. You'd reach a real person no matter what time of day - or night you called.

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