If you’re a boat owner who is gearing up for the warmer summer months, you might be curious to know exactly what is covered under your boat insurance policy. A boat policy covers specific items that your traditional homeowners insurance policy won’t. Custis Insurance Service Inc. specializes in providing their Amherst, OH, clients with the best products on the market at the most affordable rates. Below, their qualified team outlines exactly what is covered by your boat policy.

Boat Insurance Policies Explained

What Is Covered by Boat Insurance? 

Much like auto insurance, boat insurance has different components that protect you while out on the water. A general boating policy includes bodily injury liability coverage, which will pay for any medical injuries or damages to the other party in the event you cause an accident. It also includes property damage liability, which pays for the damages to the other party’s boat, a dock, or other structures. 

Why Is Additional Coverage Needed?

Like an auto policy, a basic boating policy might not provide you with all the coverage you need. Comprehensive coverage will pay for repairs to your boat if it’s damaged in an incident other than a collision. Additionally, if your boat is vandalized or stolen, this part of your policy will kick in. 

How Optional Additions Can Fortify Your Policy

While a basic policy will keep you covered, add-ons can help in situations you might not think about. For example, your collision damage pays for repairs to your boat but might not cover wreckage cleanup. Additional riders you can purchase include underinsured or uninsured motorist, personal property coverage, and roadside assistance coverage.

If you’re in the market for a new boat insurance policy or you would like to inquire about any other type of policy, be sure to speak to a specialist. The team at Custis Insurance Service Inc. stays ahead of competitors by being the first to offer their clients the latest products on the market at the most affordable rates. Call them today at (440) 949-7172 or visit their website for more information.