Why You Should Consider Having Boat Insurance

Unlike car insurance, New York doesn’t require boat owners to carry insurance on boats. However, boat insurance is a worthy investment to make! Boat insurance offers protection over the watercraft you own, insuring them in case they are damaged, wrecked, or you are injured while operating your boat.

Depending on the policy you decide on, boat insurance can cover injuries and damages, even if your boat or other watercraft is lost or stolen. The most common benefits of boat insurance policies include replacement cost coverage, injury liability, assistance with the removal and transportation of your watercraft, and more. There are other benefits, however, including:

Specific Coverage: Boats are investments, like property and vehicles. However, watercrafts aren’t typically covered under most homeowner insurance policies, and if they are, your watercraft may not be as protected as it could be with boat insurance. Boat insurance offers the specific benefits your boat needs to stay entirely protected.

Various Protections: Boat insurance provides coverage for any passengers, as well as the environment your watercraft is in. This is especially helpful in cases of injuries and fuel leaks. With boat insurance, you will avoid having to pay for the majority of these incident costs.

Replacement Policy: If your boat ever sinks or suffers unrepairable damage, then your boat insurance policy can include total replacement cost coverage. Essentially, boat insurance can protect you from losing the investment you’ve placed into your boat!

Boat owners may also need other types of protection for items related to their watercraft, including boating accessories, trailers, and other special equipment. Boat insurance can offer coverage for anything related to your watercraft, saving you money in case the boat or related items need to be replaced or repaired. 

Contact Apple Auto Agency About Boat Insurance! 

Keep you and your boat safe with boat insurance provided by Apple Auto Agency! We offer quality boat insurance to ensure that your boat and watercrafts are covered in case of injury or damage. We also provide auto insurance, homeowners insurance, motorcycle insurance, and renters insurance throughout Troy, Clifton Park, Albany, Rensselaer & Schenectady, NY. Contact us today to discuss the insurance policies you need!