A boat is an incredible purchase that you can enjoy for a long time, sometimes even the rest of your life. Owning a boat can come with issues, especially if you only find out after an incident that you don’t have the right type of insurance. Find out more below on what you should think about when it comes to boat insurance.
Access Legacy Insurance Group in Brooklyn, NY is proud to offer boat insurance to residents in the following states:
- New York
- New Jersey
- Florida
Boat and home insurance
In many cases, home insurance will cover your boat as part of the home insurance policy, as your boat can be seen as part of your property. While this is already decent coverage, home insurance doesn’t cover everything when it comes to your boat. Some examples below of what might not be covered under home insurance:
- Liability insurance, as you might not be fully covered under your home insurance policy. For example, what if you are in an accident with another boat and you damage the boat or hurt someone on the other boat? This can also count for if someone who is on your boat gets hurt.
- Insurance in case the other person is not insured. What is meant by this is that if you get into an accident with another boat owner and they are not covered to cover your medical bills or boat repairs, you are the one stuck with the financial burden of this. So make sure you get enough coverage for yourself in this situation too.
If you want to discuss boat insurance, call Access Legacy Insurance Group in Brooklyn, NY, or get a quote here.
