Boats are quite expensive, meaning they are prized possessions that must be protected on the water and also when in transport on the roads. Even slight damage to a boat’s interior or exterior can cost a significant amount of money to repair. Fret not, as insurance is available.
Protect Your Beloved Boat
Does boat insurance cover the entirety of the vessel? It’s a question most boat owners ponder when planning fishing expeditions and other on-water outings. Your boat insurance covers the boat itself, meaning all of its parts.
However, if a personal item is stolen from your boat’s interior, it might not be covered.
Why?
Because it is difficult to prove that item was actually on the boat. In contrast, the boat’s sail, hull, motor and other components are always on the vessel. Therefore, they are covered. Moreover, boat trailers are sometimes covered as they are necessary to transport the vessel on the water.
Consider Optional Insurance Coverages
Optional forms of insurance are necessary to cover the entirety of your boat. As an example, coverage for personal property on the boat is available. It is also possible to obtain additional coverage for fishing equipment. You can even add coverage from Hausmann Insurance & Financial Services for events involving ice and freezing temperatures in or near Charlotte, Waxhaw, the rest of NC and beyond.
However, in general, the tangible components of the boat itself are covered, regardless of whether they are on the interior or exterior of the vessel.
If you are unsure as to whether a component or accessory such as a geo-location instrument or radar system is covered, don’t be shy. Reach out to your boat/watercraft insurance provider or the insurance candidate you have in mind for clarification.
Hausmann Insurance & Financial Services Is at Your Service
Serving Charlotte, Waxhaw and surrounding areas in NC, our insurance team takes pride in providing affordable coverage. Reach out to us today to get a personalized quote.
