Did you recently buy a boat to sail on the ocean or the bay? While you’ve already spent a pretty penny, the cost of keeping a boat may be equal to owning a car or house. You must maintain it, and you must insure it to keep it safe. Boat insurance in California can help with a multitude of things. Know the reasons to insure your boat in California even though it’s not required by law.
Secure Your Spot at the Marina
Marinas require boaters’ insurance to protect themselves and their visitors, which is why mooring your boat at one typically isn’t allowed unless you have insurance. Avoid being turned away from the most beautiful places to dock just because you don’t have insurance.
Homeowners Insurance Isn’t Enough
Does homeowners’ insurance cover boats? While many homeowners’ insurance policies will cover damage to small boats, this coverage only applies to damage that happens on your property. Work with a marine insurance agency to ensure you get the coverage you need for your boat. Talk to a trusted agent about your lifestyle, the size of your rig, and where you plan to take it. Homeowners’ insurance covers some surprising things, but a boat may or may not be one of them.
Obviously, insurance is designed to protect. One main reason to attain it for your boat is to protect your passengers if you get in an accident. Your insurance can help pay for medical bills in such an instance.
Protect Yourself and Others
Insurance can help if you cause an accident. If you’re at fault and someone else gets hurt, your insurance may help pay their medical bills, as well. Before you go out on your boat, you’ll want to make sure it’s covered by some form of watercraft insurance.
Protect the Environment
One thing to keep in mind when you own a boat is that damage may affect the environment. Further, if your boat leaks oil or sinks, you are responsible for cleaning up the destruction. The right boat insurance will help you cover damages.
The main reasons to insure your boat in California are to ensure you can park at the marina and protect your passengers and property. Work with a trusted agent to find out what boat insurance covers, the average cost of boat insurance in California, and how much you need. Contact Saferoad Insurance Services today to get started and explore our blogs to learn more about California boat insurance and other types of insurance everyone should have.