What You Should Know About Boat Insurance Before Heading Out on the Water

Make the most of the sailing season by ensuring you are properly protected.

As a responsible boat owner, you have obtained boat insurance coverage. You know this protects you out on the water, but you may not understand exactly how. So you can best understand the protection you are offered by your existing policy, helping you stay safe, we offer these answers to your boat insurance frequently asked questions.

  • Do I Need Coverage Year-Round? If you use your boat all year, it is a good idea to carry your coverage through the full calendar year. If, however, you store your boat during the winter, you may be able to drop some of your coverage to minimize your costs. Just make sure you maintain your coverage for things like vandalism, theft, and fire during the off-season.
  • How Can I Save? Talk to us to see if taking a boating safety class could help bring down your boat insurance premiums. Classes are offered through the Coast Guard Auxiliary and the National Association of State Boating Law Administrators and can help you be best prepared out on the water. Also, ask your agent about bundling your boat insurance with your other policies to help you save money on your coverage.
  • What If I Break Down? So you can get towed back in, your boat insurance policy can contain on-water towing reimbursements. Make sure that this facet of your physical damage coverage is laid out in your policy.

Do you have someone you can go to for answers to all of your boat insurance questions? To get the best coverage and the best service, visit the team at Lou Aggetta Insurance Services, serving Pleasant Hill and neighboring cities in California today!