As we move into summer, many individuals are starting to bring their boat out of their garage or storage. While boating is a great way to spend time on the water and enjoy a warm summer day, it is crucial to ensure that you have proper coverage for your boat. As leading providers of boat insurance and other insurance solutions, the team at Mountainview Insurance knows how important it is to have the right coverage for your needs. That is why we have outlined everything you need to know about boat insurance to ensure that you have all the information you need before choosing a policy.
Before choosing a boat insurance policy, it is important to consider the following elements:
While boating is a fun and relaxing activity, there is always the risk of an accident or injury. That is why it is so important to know what your boat insurance covers before you head out on the water. Boat owner policies were invented to protect everyone and everything including, you, other boaters, your boat, and your equipment. Your boat insurance may also cover:
Liability coverage for boat insurance can be divided into personal and medical categories. Personal liability covers the costs that you would be legally obligated to pay to an injured party in the event of an accident. Coverage includes:
Medical liability covers medical expenses that are incurred due to an accident involving your boat. Coverage includes:
While property and liability coverage are the two primary types of boat insurance, you can always purchase additional coverage if you believe it is necessary. Options for additional coverage include:
The more safety precautions you take for your boat, the more you might be able to save on your boat insurance policy. Some common safety precautions include:
To learn more about our solutions for boat insurance or to inquire about our other insurance products, get in touch with the team at Mountainview Insurance. We can be reached through our online contact form and will be happy to answer any questions you may have regarding our products or your insurance needs.
We’re ready to understand your insurance needs and to work for you to get the coverage you need.