Why All Boaters Need Boat Insurance

If you own a boat, you know how freeing it can be to get out there on the water. You’ve invested a lot into your boat, so it’s vital to ensure your boat is taken care of if there is an accident or other incident. To do this, you need specific types of boat coverage. No boat owner should be without it because of the high cost of accidents. When you need boat insurance, call us at The Insurance Shop USA in Sandpoint, ID to learn more.

Boat Liability Coverage

Like an auto insurance policy, your boat policy should include liability coverage. This coverage can take care of the costs of accidents that you cause. No one intends to have an accident, but plenty of accidents on the water do happen. When you cause harm to someone else’s watercraft or cause them to be injured, this coverage can pay for those bills. Make sure you have plenty of this coverage so that you’ll be covered even if the accident is serious. 

Other Boat Coverage

Boats often have a lot of personal property and expensive equipment on them. Boat insurance can cover your personal property so that you can get your items replaced if they’re destroyed in an accident. It’s also a good idea to get collision coverage in your policy. This covers the damage the accident caused to your own boat. In addition, comprehensive coverage covers the costs of other incidents that can happen to your boat when it isn’t on the water. 

Get Your Boat Insurance 

If you’re buying a boat or want to protect the boat you already have, call us for a policy. You can contact us at The Insurance Shop USA in Sandpoint, ID.