Properly Protecting Your Boat This Summer

Boat Insurance Coverage

There is no better way to welcome the summer season than with a relaxing ride on your boat. With the wind in your hair and the sun on your face, owning a boat is a true luxury of life. Before you back your boat into the water this season, make sure that you are protected with these boat insurance coverage options.

  • Liability – if you are at fault for an accident on the water, liability coverage will cover the cost to repair any damaged property and any medical bills that are associated with an injury from the accident to ensure that you do not have to pay for the costs out of your own pocket.
  • Medical payments – if you are injured during a boating accident, your medical payments coverage will pay for your medical bills, as well as any passengers who were in the boat, no matter who is at fault for the accident.
  • Comprehensive and collision – if your boat is damaged, your comprehensive and collision coverage will kick in. Collision coverage will protect your boat if you are involved in an accident, and collision coverage will protect your boat from any other perils, such as theft or fire.
  • Personal property – chances are, your boat is stocked with pricey extras, from marine radios to fishing gear. Personal property coverage will cover the cost to replace any items that are damaged or destroyed while they are in your boat.

Right now is also the perfect time to add free mechanical breakdown coverage onto your boat insurance policy, with no age restrictions, as long as you are eligible. Mechanical breakdown insurance will cover the cost to repair or replace the upper and lower units of a stern drive motor or the lower unit of an outboard motor if you experience a mechanical breakdown.

For all of your boat insurance needs to ensure that you are able to safely enjoy the water this summer, contact Kurt Rolf Insurance Agency in Hopkins, Minnesota.