With summer in full bloom you want to ensure you can spend your time in the water relaxed. If you have a boat, you want to make sure it’s properly covered and protected. This way you can enjoy your time floating on the water making memories.
Owning a boat is more than just an investment of money, it’s also an investment of time. It requires maintenance from you, time to put it in the water and take it out, and of course, the time spent relaxing with friends and family.
Having a boat insurance policy that covers everything you’re invested in is important for anything unexpected that might come your way. It is imperative (and usually required) to have an insurance policy in place that will cover any damage to your boat or equipment, along with any injuries to people or damage to other boats or property.
When you have the right insurance policy in place you can relax knowing no matter what you’re covered.
A protection policy can give you options that are specialized to your needs and can be changed if your situation changes. Some of the things you want to discuss with your agent include::
- What coverage amounts are best for your situation
- Any specialized situations that may arise, like if your boat gets stolen or vandalized in or out of the water
- Medical coverage in case of an incident
- Coverage options that are best for you based on the size, type, age and value of your boat and even where you plan to use or store it
Much like an auto insurance policy your boating coverage will be unique to your situation, needs, and budget.
Your policy should cover:
Bodily injuries – Whether sustained by you or someone else resulting from the boat
Property damage to your boat – such as vandalism or being hit by another boat
Property damage by your boat – such as damage to another boat, docks or property
Neglect/mistreatment – improper draining or wrapping
Fire, Vandalism, Theft
Without insurance or even underinsured you can be end up with legal costs, medical bills, and a lot of debt in the event you lose the boat. You would also be responsible for repairs to your boat and someone else’s in the case of an incident. Don’t let that happen, keep you and your loved ones protected by ensuring you have the right coverage.
Feel free to reach out to one of our licensed agents here at John Scott Insurance Agency to get the coverage you need for any incident that may arise. We are here to help you get the right policy in place and feel confident each time you go out on the water.