Boat Insurance 101
Heading out on your boat is one of the best ways to take advantage of the summer weather. Before you back your boat down the launch ramp and into the water, it is important to make sure that you and your passengers are protected with the right boat insurance policy. When deciding on the right boat insurance policy that will meet all of your needs this summer, consider these boat insurance coverage options.
- Liability coverage – much like the liability coverage that is provided by your auto and home insurance policy, the liability portion of your boat insurance policy will cover any bodily injury that you cause to another person, as well as any property damage that you cause. Liability coverage will help to pay for any of the costs that are associated with the accident.
- Medical payments – if anyone is injured while enjoying your boat, your medical payments coverage will pay for any medical related expenses that are incurred, no matter if they are on, or getting into your boat.
- Personal property and physical damage coverage – physical damage protection will pay for any repairs to your own boat after an accident. Since your boat is probably full of your own belongings, the personal property portion of your boat insurance will provide coverage for everything. Personal property coverage will provide protection for a range of items, including fire extinguishers, ice chests, water skis, chairs, oars, lights and more.
Contact the insurance experts at Bisson Insurance Services in Yorba Linda, California for all of your boat insurance coverage needs. As an independent insurance agency, we will work with you to ensure that you have the right amount of protection for your specific situation, all at the right price to fit with your budget.
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