Owning a boat is a lot of fun. It’s a great way to relax and enjoy the outdoors. But it’s also a big responsibility. One of the things you need to think about as a boat owner is an insurance that provides the necessary coverage.
A good boat insurance policy not only protects your investment but also provides peace of mind in case of an accident. And it can help you get back on the water quickly if your boat is damaged or stolen. So, what should you look for in a good boat insurance policy? Hausmann Insurance & Financial Services serving the greater Charlotte, NC and Washaw, NC communities is here to provide a guide.
Here are four things to consider
1. Coverage for Towing
Most boat owners never sit still for long. They’re always on the move, exploring new waters and discovering new places. That’s why it’s important to have coverage for towing and labor in your boat insurance policy. If your boat breaks down or runs aground, you’ll want to be covered for the cost of towage and labor to get it back up and running.
2. Vermin and Animal Damage Coverage
No one likes to think about it, but animals can do a lot of damage to boats. Birds can nest in engine compartments, and chewing rodents can destroy wiring. That’s why it’s important to have vermin and animal damage coverage in your boat insurance policy. This will help cover the cost of repairs if your boat is damaged by an animal.
3. Personal Effects Coverage
Your boat is more than just a piece of equipment. It’s also your home away from home. That’s why it’s important to have personal effects coverage in your boat insurance policy. This will help cover the cost of replacing any personal belongings that are lost or stolen from your boat.
4. Agreed Value Coverage
One of the most important things to look for in a good boat insurance policy is agreed value coverage. This type of coverage ensures that you will be reimbursed for the full value of your boat in the event it is lost or stolen. It’s important to choose an insurance company that agrees with you on the value of your boat so you know you’ll be fully compensated if something happens to it.
Give Us A Call
These are just a few of the things to look for in a good boat insurance policy. When shopping for insurance, be sure to ask about all of these coverage options to make sure you’re getting the best protection for your boat. Hausmann Insurance & Financial Services serving the greater Charlotte, NC and Washaw, NC communities can help you find the right boat insurance policy for your needs. Give us a call today to get started.
