You Insure Your Home,Why Not Your Boat?

 Congratulations! You’ve added a beautiful new boat to your possessions.  You are looking forward to enjoying it for many years of cruising around on the lake. Life is good. You own a beautiful home, the kids’ education is taken care of, and you are reaping the rewards of hard work. However, when you signed on the dotted line for your latest luxury purchase, did you stop and add insurance from the Insurance Shop USA for it?

You Wouldn’t Leave Your Home Unprotected

The yacht sitting in the marina cost as much as a vacation home. If you bought a second house, you would protect the investment with home owner’s insurance. Boats are often perceived as extras or luxury items, but they empty banks accounts just as fast as a house when a storm damages it. It only makes sense to add boat insurance in case of vandalism, theft or accidents.

Repairing Boats Gets Expensive

Repairs to your new weekend toy are going to be more expensive than for a lawnmower or other small item. Repair shops require specially trained technicians that use unique parts and products. Why risk facing a huge repair bill after a fire sweeps through the marina when boat insurance can offer affordable deductibles in case of sudden loss. 

Operating a Boat Comes with Risks

On a holiday weekend, the lake is crowded with folks like you out to enjoy the sunshine. As the waters become harder to navigate, the possibility of sustaining damage due to a water collision rises. Your auto insurance protects you from fender benders.  Boat insurance offers the same kind of reassurance for your personal ship.

Protect your investment and your personal finances by investing in boat insurance with the Insurance Shop USA. Give them a call today.


What Does Umbrella Insurance Cover?

Umbrella insurance is a type of insurance that most people do not know much about. It can have a lot to do with your auto insurance and homeowners insurance policies, though, so it may be worth looking in to. Not all people need to have an umbrella insurance policy so it is important to know what it is and what it can cover. Continue reading to learn more about umbrella insurance policies and learn if it is the right option for your needs. 

  • An umbrella insurance policy, when put in the most basic terms, covers your assets when your other insurance policies stop providing coverage. You may not have ever noticed it, but your policies have limits on them and if you have assets that are worth more than the coverage allows for on your auto an homeowners insurance policies, then getting an umbrella insurance policy to cover the difference is always a good idea.
  • It can also cover your savings accounts, checking accounts, and retirement accounts. Depending on how much you current have in them, you may want to opt for more coverage than the banks or other agencies can provide to you. They also usually have a limit to the amount of coverage they provide so you want to make sure all of your assets are protected.
  • An umbrella insurance policy protects you from personal injury such as libel, slander, false arrest, and wrongful conviction. This may not be something many people need to have but if you are a prominent member of your community, you may want to consider it.

If you are interested in learning more about umbrella insurance policies or taking a look at your current coverage and getting a new quote, be sure to contact us at The Insurance Shop USA today..