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Whether you want to buy a watercraft or you’re a current boat owner, there is a need to ensure that your legal liability and personal property obligations are well protected in the event that you get into a boating accident. Although no one wants to think that a watercraft or boating accident may happen to them, the truth is that thousands of boating accidents are reported in the United States each year. Practicing boating safety often assists in reducing the number of accidents, but it is always best to ensure that your asset is protected by boat insurance. Linda Dugan Insurance provides different boat insurance options in Astoria, OR.
Tips for Buying the Right Boat Insurance
Here are some tips to help you choose the right boat insurance for your watercraft:
Know Your Insurer
You can add boat insurance to the homeowner’s policy that you acquired from an independent insurer. You could also choose to get it from a marine insurance specialist. As a new boat owner, the best way to go will be to purchase your policy directly from a reputable agency or from a boat insurance specialist. Choosing to add on to your existing homeowner policy may be convenient, but it could be limited because such a policy will not provide marine-related coverage like wreck removal.
Get the Truth on Salvage
In the event that you get involved in an accident and the watercraft has to be salvaged, you need to make sure that the policy provides 100 percent coverage for salvage. If the policy covers less than this, it means that you will need to pay out of pocket to cover the extra costs. Unfortunately, many insurers tend to limit the salvage coverage to a certain percentage of what the boat is currently worth. Be sure to get the facts in advance.
If you have any questions pertaining to boat insurance, feel free to call or visit Linda Dugan Insurance that serves Astoria, OR and the surrounding areas.
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