Boat Insurance – Get Ready for the Sailing Season
Summer is quickly approaching and, with it, comes a start to the recreational boating season for many of you. Boating is a great way to relax and get away from your everyday responsibilities and commitments. However, it’s important that you be sure to prepare your boat adequately prior to taking her out for the first time this season. You wouldn’t launch your boat without proper maintenance and safety measures, so why would you head out into the open water without boat insurance?
We can help you find a customized boat insurance policy that’s right for you. You can be at ease each time you head out for a spin knowing that you are covered for Roadside Assistance, On-Water Towing, Total Loss Replacement, plus a number of other options. The type of coverage you may need can also vary – we can insure a personal watercraft, jet boat, sailboat, fishing boat or even a house boat.
When choosing the best coverage for you, it’s important to consider the following. Some homeowners’ policies will offer boat coverage up to a certain size or value. It’s important that you verify the coverage limits, if any, offered by your homeowners’ (HO) insurance because your boat or watercraft may be too big or too expensive to be included on this policy. Even if you are covered, you should also consider the options for specialized insurance, which may not be offered under a HO policy. Roadside assistance, which covers the towing of your boat; On-Water Towing, in case you become stranded on the water; Fuel Spill Liability and Wreckage Removal coverage can also be added to your boat insurance policy. Other important points for consideration when choosing a policy include travel limitations (some coverage is only valid within a certain radius) and replacement costs (certain companies only offer actual cash value if your boat is damaged or destroyed). You may also want to look into Uninsured Boater coverage, which protects you against damage or injury caused by another boater who does not have boat insurance.
Contact us at Morrell today to find out how you can obtain property and liability insurance for your boat or personal watercraft and how you can customize your coverage to include some of the features mentioned above. Bon voyage!
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