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For boating, fishing, and water sport enthusiasts, it’s a good idea to look into a boat or watercraft insurance policy. This is especially important if you plan to spend time out on the water.
While many home insurance policies provide a minimal amount of coverage for small boats with no engines, they only cover small watercraft. Additionally, most home insurance policies will only cover the boat as long as it is parked on the property, not while it is out on the water. For those who frequently take their boat or watercraft out, a boating insurance policy is something to consider.
Different policies and packages are available, and vary considerably; depending on the type of boat or watercraft you have, as well as how frequently the boat is used, and the level of coverage you require. Some policies also include towing, and wreckage removal in the event of a breakdown or accident.
Standard boat insurance doesn’t just insure your boat, most boat insurance policies will cover bodily injury, or medical expenses you may incur in case of an accident. You can also choose a policy that covers liability as well.
Most boat coverage policies typically include coverage for any injuries caused by the boat, as well as property damage caused to another boat. It also includes any damage that the boat itself would sustain in the event of an accident or if it should run aground. Additional coverage can include things such as fire and flood, or even theft or vandalism. You can also get coverage for personal property to cover any gear or items you may have onboard.
A boat is an investment worth protecting. At Katy Insurance, we would be happy to provide you with a boat insurance policy that is exactly suited to your needs. Call us today to find out which policy would be right for you. (877) 952-1010