Boat Insurance: Preparing for Long Excursions
Participating in a long excursion on a private watercraft could prompt you to buy more boat insurance. Consider the risks involved with your next boat trip, then seek guidance about having your boat insurance policy modified.
Understanding Basic Coverage
If you currently carry a basic boat insurance policy that provides liability coverage, you will be protected against unforeseen boat accidents if you are found at fault. This type of coverage will protect you legally but will not protect you in the event that your boat is damaged due to no fault of your own.
Uninsured Coverage
Uninsured coverage will protect your boat if you are involved in an accident that was not your fault. If an uninsured boat operator damages your boat with their personal watercraft, the uninsured coverage you have access to will reimburse you for out-of-pocket costs you incur when you have your boat repaired.
Collision Coverage
Spending time on the open water for a longer duration may increase your chance of being involved in a collision. Collision insurance will protect your personal watercraft from body damage.
Personal Possession Coverage
Your navigational aids, furnishings, and watercraft could become damaged by the weather. Carrying personal possession coverage will alleviate any out-of-pocket costs you are responsible for if you are faced with inclement weather. Seek boat insurance coverage for any of the items you rely on when you take your boat out on the water.
Insurance Agent Assistance
An agent from the Kempton Insurance Group will upgrade your boat insurance policy. Contact one of our agents who serve Charlotte, NC. Convey information about the upcoming boat outing that you plan on taking. The agent will suggest boat insurance coverage that will protect you during the extended outing.
