Boating is fun. But whether it’s a quiet fishing day or a family day, you need peace of mind to enjoy your boat to the fullest. And that peace of mind comes knowing your boat has adequate protection from boat insurance.
Typical boat insurance coverages include property, liability, medical, and uninsured coverages. But do you know there are “riders” or “add-ons” you can consider to enjoy your boat to the maximum? Yes, if you are Sandpoint, ID, The Insurance Shop USA has prepared weight add-ons you can consider for your boat insurance policy. These include:
- Specialized coverage: This policy covers something specific on the boat, like gadgets, those expensive accessories like props, fancy coolers, or fishing equipment. Specialized coverage is available to increase your personal property limits.
- Mechanical breakdown coverage: The coverage foots the cost of replacing or repairing your outboard motor as long as it’s not as a result of wear and tear.
- Salvage: Sometimes, your boat may become disabled, and towing may not help. At this point, you may need a salvage firm to recover it. Basically, in such scenarios, you pay a certain percentage of the value of your boat to the salvage company for recovery. Going this route is costly, but salvage coverage covers you if your boat needs recovery services.
- Umbrella insurance: Umbrella insurance acts as that extra liability insurance. It comes in when your boat liability insurance coverage gets depleted due to major claims. Investing in umbrella insurance is crucial as it protects your assets as well as your future income.
Boat insurance in Sandpoint, ID
Since your boat doesn’t come cheap, it needs adequate protection. Boat insurance add-ons will give you that adequate protection. If you are in Sandpoint, ID and its environs, please contact The Insurance Shop USA for an affordable boat insurance policy. We will help you sail through with great peace of mind.
