Are you a boating enthusiast? Do you wait all winter to get out on the open water? If so, make sure you have boating insurance. Kempton Insurance Group serves the greater Charlotte, NC area.
As with auto insurance, boat insurance protects you financially from damage or injuries caused to others while boating.
Boat insurance covers many different types of crafts, including:
- Fishing boats,
- Personal watercraft (jet skis and WaveRunners)
- Pontoon boats
- Powerboats
- Sailboats
You can purchase additional coverage, such as uninsured/underinsured boater coverage, which will provide more protection in the water. Boat insurance works the same as car insurance. If you damage your boat or cause damage or injury to someone else, you merely file a claim which asks them to pay for the damages. If it is a covered incident, they will pay up to the coverage limits.
- Liability pays for damages or injuries to others
- Physical damage coverage includes both collision and comprehensive coverage for damage from events not under your control, such as theft or weather. Coverage also extended to damage sustained in a collision with another boat or object, regardless of fault.
- Uninsured or underinsured pays for your injuries if you are hit by someone with little or no insurance.
If you have physical damage coverage in your policy, it covers the hull, fittings, furnishings, motors, batteries, anchors, fuel tanks, and onboard safety equipment. A standard boat policy will usually cover spills and wreckage removal in the event your boat sinks.
Get The Right Coverage Today
Don’t let your summer fun be cut short by a boating incident that could likely cost you thousands. Purchase boating insurance to protect your fun and your family’s financial security. Contact the insurance professionals at Kempton Insurance Group in Charlotte, NC today for a quote or an answer to any questions you may have. You will be glad you did.
