Stay safe this summer with boat insurance

Nothing’s better than taking your new boat out on a hot summer day. The water beneath you. The sun on your shoulders. The wind in your hair. But disaster can strike even at the most perfect of moments. Make sure you’re protected with the proper coverage.

What is boat insurance?

Boat insurance protects you in ways similar to your home and auto insurance. You’ll be covered if someone is injured on your boat or if your boat sustains physical damage if you run into something. You can also choose coverage that will protect you from vandalism or theft.

The difference with a boat is that the policy that protects you isn’t fixed, as it is with your home or auto insurance.

Your home is always in the same spot, so it is always covered by home insurance. Your car is always on the move, so it is always covered by auto insurance. Your boat however, may be covered by your auto insurance, your home insurance or your boat insurance depending on where you are at the time of the damage.

If your boat is on the water, an accident will be covered by your boat insurance. If your boat is on a trailer attached to your car and you back into something the damage to your boat will be covered by your car insurance.

Sound confusing? The professionals at Steers Insurance are here to help you navigate the sometimes muddy waters of insurance policies. We’re always happy to answer your questions and clarify anything you’re unsure about.

Navigational limits

Another way that boat insurance differs from auto or home insurance is that there are navigational limits placed on how far from home you can travel in your boat and still be covered by your insurance policy. Certain waters may be excluded for security reasons. Ask one of our insurance brokers what your navigational limits are so you can be sure you’re covered when you’re out on the water.

Boats covered

Some of the different types of boats that are covered by boaters’ insurance include the following pleasure craft:

  • Bowriders
  • Cabin cruisers
  • Inboards/Outboards
  • Pontoons
  • Runabouts
  • Sailboats
  • Sport-fishing boats
  • Trawlers
  • Walkarounds

Get the right coverage

Your policy needs to cover bodily injury and property damage caused by your boat. You might also want to consider getting comprehensive coverage to protect yourself from vandalism, theft or natural disasters. Additional coverage options include:

  • Uninsured boater or vessel coverage
  • Watersports liability coverage
  • Pet companion coverage
  • Personal effects coverage
  • Emergency assistance
  • Loss of use coverage
  • Accidental dental benefit
  • Medical payments

Contact Steers Insurance today to find out how you can bundle your policies and save. You can even collect Air Miles on select plans. Give us a call to learn more. It’s clear skies ahead with Steer’s Insurance!