Few things are more enjoyable than cruising the waterways. Boat insurance can keep that fun afloat all summer long.
Boat insurance is about preparing for the worst. This coverage grants security and peace of mind. Yet some owners are still unaware of the advantages that these policies offer. Access Legacy Insurance Group in Brooklyn, NY can provide you with guidance on this important coverage.
Here are five facts about boat insurance that you should know about:
Boat insurance applies to any watercraft
Boat insurance is specialized protection that applies to any motorized watercraft. While each policy is unique, most boat insurance plans shield against loss through comprehensive and collision coverage.
But the benefits extend much further
Despite its name, boat insurance covers more than just your boat. These policies are designed primarily for the people on board. You, guests, and other boat enthusiasts benefit from these safeguards. Liability is the cornerstone of this protection.
Boat insurance isn’t required in New York
Although it’s not legally mandated in The Empire State, boat insurance is always a good idea. The pros of maintaining full coverage far exceed the risk of going without it.
Boat insurance isn’t covered by other plans
Many homeowners incorrectly believe their boat is already covered. But home insurance is usually limited. Only a dedicated boat insurance policy will ensure adequate security.
Boat insurance isn’t seasonal
Another common misconception is that boat insurance is only a summer expense. Yet natural disasters and accidents can still pop up, even in storage. Avoid canceling your boat insurance during the winter months. This decision could be costly in the long run.
Give Us A Call
Insufficient coverage can sink your fun quickly. Let Access Legacy Insurance Group in Brooklyn, NY be your anchor. Our experienced agents will build a boat insurance policy that’s right for you. Reach out to us today.
