Watercraft owners in South Kingstown understand the importance of having proper insurance coverage. However, it’s equally crucial to ensure your boat or watercraft insurance extends to international waters, especially if you plan to venture beyond American borders.
Standard Policies
Most standard boat or watercraft insurance policies do not automatically provide coverage in international waters. Typically, these policies are limited to American waters, and some may extend into Canadian waters. To confirm whether your policy includes coverage for Canadian waters, it’s essential to speak with an agent at Kingston Insurance Agency LLC.
International Coverage
Before heading into the open ocean, consult your insurance provider about obtaining international coverage. Many companies offer temporary coverage for trips, policy riders, or comprehensive worldwide policies. An agent can help you explore your options and ensure you’re adequately protected.
Exclusions
Boat or watercraft insurance policies that extend into international waters often come with specific exclusions. These may include piracy, liability issues, or limited assistance options such as on-water towing, wreckage cleanup, or fuel spill cleanup. It’s vital to discuss these exclusions with your provider to understand what is and isn’t covered in case of an incident.
Additionally, policies may not cover risks like civil unrest. Research your destination thoroughly before traveling. Check online for travel advisories to ensure the area is safe, and review reports on piracy incidents. For example, this map highlights piracy incidents in 2026, but it’s important to conduct your own research, as it may not include every occurrence.
At Kingston Insurance Agency LLC, our agents are here to help you navigate the complexities of international coverage. We’ll review your policy with you, including any exclusions, to ensure you’re fully informed. Contact us today to learn more. We proudly serve the South Kingstown, RI area.
