Category: Boat/Watercraft Insurance

Given the spate of recent natural disasters impacting vast sections of the US, it’s unsurprising to observe a rise in local boaters seeking robust insurance coverage for their boats and watercraft.

Customizing Your Boat Insurance: Expert Tips from Access Legacy Insurance Group, Brooklyn, NY

Chat with a licensed insurance agent to evaluate your coverage requirements and select the proper protection for your vessel. A knowledgeable local agent can outline comprehensive coverage options for collision, liability, and uninsured or underinsured boaters.

Your agent can guide you toward the best policy, considering the value of your boat or watercraft, potential repair costs, and your preferred policy limits for personal financial protection from collision and non-collision-related boating accidents. Local boaters can expand their coverage by upgrading to comprehensive insurance.

Liability Insurance Coverage for New York Boaters

Boat liability insurance safeguards your finances from potential monetary setbacks resulting from bodily injuries, property damage, and associated legal expenses arising from an at-fault boating incident.

Comprehensive Coverage Options for Boat Owners in The Big Apple

If you’re considering extending the limits of your boat or watercraft insurance policy to cover physical boat damage and non-collision-related damages resulting from theft, fire, explosions, and grounding, think about investing in comprehensive boat insurance.

Comprehensive boat and watercraft insurance can help compensate for repair costs or vessel replacement, personal belongings, and legal fees. It can even provide policy add-ons, including emergency towing and waterborne assistance.

Get in touch with our local experts at Access Legacy Insurance Group in Brooklyn, NY to explore your coverage options and secure a boat insurance quote today!

Insurance assessments play a crucial role in securing your watercraft. Let us guide you through what you can anticipate during a boat insurance assessment.

Safety Concerns Identification

An insurance assessment for boats reveals any potential safety issues. As a boat owner, you’re responsible for ensuring compliance with the safety regulations established by the governing authority in your operating area. If the insurance assessment flags any safety concerns, you can swiftly address them.

Detecting the Need for Repairs

The boat insurance assessment process enables the identification of necessary repairs. All structural materials, both internal and external, will be thoroughly inspected. If any material is damaged, the assessment will highlight it. Moreover, materials that may appear to be weak and compromise the boat’s performance are also discovered during this process. Replacing these potentially problematic parts with more robust materials can be a smart preventative move.

Steps of the Assessment Process

Generally, the assessment process starts with the inspector’s introduction, during which they brief the boat owner about the procedure. The inspector scrutinizes the watercraft’s structural materials, electrical system, lighting system, and other vital components, ensuring the correct functioning of critical systems on the boat. Once the assessment is completed, the owner is informed of the outcomes.

Taking Action Post-Assessment

After gaining a clear understanding of your boat’s condition post-assessment, the next step is deciding on the appropriate course of action. To schedule an insurance inspection for your watercraft, reach out to an Access Legacy Insurance Group agent who serves the Brooklyn, NY area.

When people think of New York City they often think of the skyscrapers and bright lights of Times Square. But it’s also a great place to go boating. Brooklyn is surrounded by water on three sides, after all with a few islands on the east. Liberty State Park is technically New Jersey territory, but very close to Brooklyn and you can cruise by the Statue of Liberty on Ellis Island. The lake at Prospect Park rents pedal boats and kayaks, but boating is allowed seasonally. Cruising the East River will give you a great view of the skyline as well as the historical Kip’s Bay. Just remember to follow a few rules while you’re out there. 

Wear Your Life Jacket

This isn’t merely a good idea or a strong suggestion. It is legally required in New York for all vessels no matter what size for everyone on board to have one U.S. Coast Guard-approved life jacket. 

Register Your Boat 

If your vessel is propelled wholly or in part by mechanical means, then you need to register it with the New York Department of Motor Vehicles. The registration sticker goes on the port bow and the starboard bow. 

Right of Way

Vessels that are unable to maneuver have the right of way. Vessels with restricted ability come next. Commercial fishing vessels (as opposed to sport fishing) come next. Sailboats are next with power vessels given the lowest priority. 

No Dumping

As bad a reputation as NYC rivers have, they don’t add to the pollution. The rumors about alligators in the sewers are unfounded, but the spread of invasive species is no joke, do not dump fish, bait, animals (including humans!) or plants in the water. Be careful when fueling so as not to get any in the water. 

Access Legacy Insurance Group Serving Brooklyn, NY

If you are living in Brooklyn, NY, consider getting it insured with Access Legacy Insurance Group. We will be happy to help! 

Owning a boat is a significant investment, and protecting that investment is crucial. Access Legacy Insurance Group in Brooklyn, NY provides valuable insight into boat insurance to help you make informed decisions. This comprehensive guide explores details and facts about boat insurance to protect your valuable asset.

Types of Boat Coverage

Boat insurance offers a variety of coverage to cater to your specific needs. Some common coverage options include:

• Liability coverage: Protects you from financial responsibility in case of property damage or bodily injury to others caused by your boat.
• Collision coverage: Covers the cost of repairing or replacing your vessel if it is damaged in an accident.
• Comprehensive coverage: Offers protection from non-collision-related damages, such as theft, vandalism, or natural disasters.
• Uninsured/Underinsured boater coverage: Ensures protection if you are involved in an accident with an uninsured or underinsured boater.

Factors Affecting Coverage

Our insurance providers consider various factors when determining the appropriate coverage for your boat. These factors include:

1. Boat type and size: Larger or more powerful boats typically require higher coverage levels.
2. Usage: How and where you use your watercraft affects coverage needs, such as whether it is for recreational purposes, fishing, or watersports.
3. Storage and transportation: The location and method of storing your boat impact coverage requirements.

Customizing Your Policy

Tailoring your boat insurance policy to your specific needs makes a difference. Access Legacy Insurance Group in Brooklyn NY, make sure that you understand the available options, and we will customize your policy accordingly. Consider additional endorsements, such as towing and assistance coverage, personal property coverage, or fishing equipment coverage, to enhance your protection.

Navigating the Process

Selecting the right boat insurance policy involves understanding your needs and working with an experienced insurance provider. By evaluating your boat’s value, usage, and storage, you can determine the appropriate coverage levels for your unique situation.

Take Action by Calling Our Team Today

Begin the process of securing comprehensive boat insurance coverage by reaching out to our knowledgeable insurance providers in Brooklyn, NY. Protect your investment while enjoying your time on the water. Call Access Legacy Insurance Group now!

Keeping your boat or watercraft in great shape requires careful seasonal maintenance. At Access Legacy Insurance Group, serving Brooklyn, NY and the surrounding areas, we want to help you protect your investments. You can protect the investment you have made into your watercraft through insurance coverage and good maintenance practices. 

Should I Do Boat Winterization?

Yes, you definitely need to winterize your boat before you put it up for the season. Taking care of these important tasks will help ensure that your boat stays in great shape and will help you avoid many issues that can arise during the colder seasons. Let’s look at a few things you should do to winterize your watercraft. 

Remove Valuables

If you will be docking your boat in a marina for the winter, be sure to go through the entire boat and remove all important valuables. This is also a good time to check over the interior of the boat to see if there are any cosmetic issues you might want to address. 

Engine Work

There are many aspects to putting up your boat for the winter. To ensure that your engine stays in good shape during the colder months, you should hire a boat mechanic to do a once-over of your engine and take care of all of the engine winterization jobs. 

Choose Winter Docking

It is also important to carefully choose where your boat will dock during the winter. You should only dock with a marina that is reputable. Do some research and ask other boat owners that you may know who they recommend. Be sure to ask lots of questions concerning the security of the marina as well. 

Get Boat Insurance Today

If you would like to learn more about protecting your investments, don’t hesitate to get in touch with us at Access Legacy Insurance Group, serving Brooklyn NY, and the surrounding areas.  

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.

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. 

At Access Legacy Insurance Group, we provide Brooklyn NY, and other areas of the state with high-quality boat insurance. However, we know that many boat owners love adding new elements to their vehicles to make them more appropriate and effective. As a result, it is vital to spend the time to understand whether your policy will cover these vehicular upgrades for your boat.

What Your Policy Does NOT Cover 

Are you planning on making upgrades to your boat that could affect its overall value in a handful of different ways? If so, it might be best to get a professional to do it because doing it yourself could invalidate your boat policy and cause these upgrades and changes to be ineligible for coverage. 

Why is this the case? Unfortunately, your policy is designed to protect your boat, as it has been valued when you purchased the policy. This protection included the original structure of the ship and its design, not any changes you may have made to it after you bought the policy. 

That said, you may be able to get some protection if you work with a professional on these upgrades. If you get an expert to help you out with your renovations to your boat, your insurance company may approve these additions. That all depends on your policy and other factors, however. 

Find a Policy You Can Appreciate 

Do you want a boat insurance policy that makes sense for your needs as a person? Then, it is time to contact us at Access Legacy Insurance Group to learn more about your many options. We serve the Brooklyn NY community and will do what we can to help you find a policy that makes sense for you.

Unlike auto insurance, boat insurance is not required in New York, but it is always a good idea to protect such a valuable investment. With recreational boating seeing an unprecedented surge in interest in recent years, more boats, jet skis, and other watercraft are on the water than ever before. Consequently, boating accidents are increasing, and failing to have insurance can leave you on the hook for thousands of dollars in damages and serious legal repercussions.

Not only does boat insurance protect your watercraft from covered incidents like vandalism, theft, and storms, but also liability coverage is needed to ensure that you aren’t responsible for the medical bills or any other costs associated with being deemed at fault in an accident involving another boat or passenger. One of the most important coverages outside of liability coverage to ensure that you have on your boat insurance policy is uninsured and underinsured protection. What this means is that if another boat hits you or injures an occupant on your boat but doesn’t have boat insurance, any costs associated with repairing your watercraft or medical bills are covered up to your policy limits. 

Although you do not need to insure your boat in New York, you must register it with the Department of Motor Vehicles. To qualify for registration, anyone planning to operate the boat must have received a boating safety certificate from an accredited course to qualify. 

For more information on boat insurance or assistance in purchasing a policy, give the knowledgeable team at Access Legacy Insurance Group in Brooklyn, NY a call to learn more.