Don’t rock the boat by going without boat insurance.
Smoller Insurance Agency knows that boat insurance isn’t splashy. But it is a necessity. Serving the greater Boston, MA community, our experienced team offers safety and security while you cruise the waterways.
Here are five facts about boat insurance:
Boat insurance covers any type of watercraft
Boat insurance is unique. It applies specifically to motorized watercraft. Although every policy will vary, nearly all boat insurance policies shield against loss, damage, and damage through comprehensive and collision coverage.
But the benefits extend much further
Boat insurance isn’t just for your boat. It grants personal protection for you, your guests, and other motorists. Liability provides these safeguards. If you are found to be at fault, costs associated with bodily injury or property damage would be covered.
Boat insurance isn’t mandated in The Bay State
Like most states, boat insurance isn’t required in Massachusetts. But that doesn’t mean it’s not a good idea. Owning a boat without it is risky. There is little downside to maintaining full coverage.
Boats aren’t covered by other plans
Some homeowners mistakenly believe they are already protected. Your homeowners’ policy may overlap with boat insurance but just barely. At best, this coverage is limited. Avoid falling into this trap. Only a specific, designated boat insurance plan will be sufficient.
Boat insurance is needed all year long
Boat insurance isn’t seasonal. This is another common misconception. Even in storage, accidents, damage, and natural disasters can occur. Canceling or letting your policy lapse can be costly in the long run.
Contact Us Today
Inadequate coverage can leave you stranded. Let Smoller Insurance Agency in Boston, MA throw you a line. Our agents can craft a designated boat insurance policy that’s perfect for you. Set up an appointment today.