If you haven’t owned a boat before, you’ll be best served by talking with an experienced representative who offers reliable policies for home and car and also makes sure to offer excellent boat insurance coverage. It’s important to have a separate policy for this because homeowner’s insurance doesn’t generally include the coverage that you need for this leisure-time investment.
Limits on Boats
In some situations, you might have a small boat covered in your home insurance; however, when it comes to larger craft, you should put this specific policy in force. As you seek boat insurance coverage in Huntington, IN, be sure that you talk with your agent about bundling the boat policy with auto insurance or home insurance. It’s also important to understand the details of this insurance, which covers you for liability if someone is injured on your boat.
You’ll also need to discuss whether you want cash value coverage or replacement cost for the boat itself. And, it’s essential to ask about the ability to temporarily suspend your policy if the boat is unused for a period of time. This is important because some policies have specific dates (through the winter?) when the boat is not being used.
Out of the Water
When you discuss boat insurance coverage with your agent, you might also want to know some of the details about coverage when the boat is out of the water. Your car policy could be in force if the boat is on a trailer and attached to the vehicle, but you may not have the full coverage that you want the boat policy itself. The answer may lie in an umbrella policy that provides coverage beyond the limits of other insurance.
The best way to get the protection that you need is to visit mettleragency.com to discuss your specific situation. A knowledgeable, experienced agent will be able to present all the options in a manner that will make your decision easier.