When you think of insurance, you probably think of the most common insurance policies : life, health, home and auto. But if you are a boat owner, there is another insurance policy that should be at the top of your list. - Boat Insurance
Unlike auto insurance, boat insurance is not required in every state. Having such a policy for your boat, however, protect your financial security in case of accident.
"Boat owners should at least have liability insurance, which covers any damage they might cause to someone's property or if they cause injury to someone else "said Dave Freeman, Vice President of Personal Lines Underwriting at Erie Insurance. "If you want protection for your own boat - including equipment permanently attached while boating equipment and accessories, outboard motors and boat trailers - you have to carry the physical damage coverage."
Coverage of complete physical damage Freeman mentions protects you in case your boat undergoes direct physical loss or damage to your boat, equipment, engine and / or trailer. Another more basic perils coverage is appointed coverage that protects you in case of accident due to fire, lightning, hurricane, tornado, storm, theft, vandalism or malicious acts, collision while aqueous phase, collision, overturning and derailment on earth or the loss of the entire engine overboard.
another cover every boat owner should consider is uninsured boater protection policy covers the insured boaters if they are ever involved in an accident with an uninsured boater.
While most claims would be covered by these warranties, boat owners looking for more protection may also consider medical insurance payments covering injuries on a boat. You might also consider coverage of emergency services in case of emergency service for the boat is necessary. You also have the option to insure your boating equipment and even personal items you bring your boat, such as clothing, fishing equipment, awnings, tools, radios and cameras.
Finally, boat owners may be interested in an extension spars and racing sails, which covers damage to the sails, spars and rigging at a pre-arranged racing competition.
ERIE the boat insurance policy protects boaters throughout the continental United States, Washington DC and Canada as well as the waters along the coast. For more information on this policy and specific coverage available, contact a local agent Erie Insurance in your community.
It's time to have fun now that the logistics are out of the way. Discover the next post to learn more about some of the best places on the Great Lakes.
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