Boat insurance coverages are designed to cover any damage to your powerboats, fishing boats, pontoons, houseboats, and yachts. It covers the boat, trailer, motor, as well as the personal items in the boat. It also protects you against liability, lawsuits, and medical expenses. But, you need to get the right policy to enjoy these benefits. Fortunately, you can rely on insurance carriers like The Insurance Shop USA to get suitable coverage for your boat.
If you live in Sandpoint, ID, and you are wondering what your boat insurance coverages options are, then this post is designed for you. Boat insurance offers an essential amount of protection, and each type of coverage offers protection in specific scenarios. Keep reading to learn more.
Collision damage
If a damage occurs due to an accident, this insurance plan will cover the repair or replacement of the boat. Note that there are common exclusions that you must read carefully. These exclusions vary from one insurer to the other, so ensure you understand the exclusions in your policy.
Bodily injury liability
If one or more people get injured while using your boat, the liability coverage reimburses the hospital bills, pain and suffering, lost wages, and legal expenses.
Property damage liability
If you are cruising with your boat and there is a serious problem that causes you to lose control, you may cause damage to another person’s boat, a dock at the marina, or other pieces of property. The property damage liability will protect you from paying the repairs out of your pocket.
Comprehensive coverage
This policy is designed for non-collision related mishaps. If your boat is vandalized, stolen, or damaged in an incident other than collision, this policy will cover the expenses.
For more detail on boat insurance coverage options in Sandpoint, ID, contact The Insurance Shop USA and we will help you get a perfect boat insurance plan.
