Every state has laws about which insurance policies are required, and boating is no exception. Most states don’t require boat insurance, and Idaho is one of those states. Even so, some water areas, including some lakes, require it. For your financial well-being, it’s a brilliant idea to have boat insurance no matter where you put your boat. Call us at The Insurance Shop USA in Sandpoint, ID if you need boat insurance.
Collision Accidents on the Water
It’s always possible to have a collision accident on the water. If you got into an accident with another boat or watercraft and were the cause of the accident, you will be liable for paying for the damages. If you don’t have boat insurance, that money will all come from you. But with boat insurance, the policy can pay for the accident so that you are less likely to be sued and won’t have to come up with the money for the damages yourself. When you have boat insurance, you also get peace of mind knowing that you are covered in case of an accident.
Comprehensive Coverage
Different coverage types are used for boats. Comprehensive coverage is one type that gives you protection in case of damage done to your boat when it isn’t in a boating accident. A wide range of circumstances can cause this damage. Property damage coverage is another type that will pay for your items that become lost in an accident. Talk to your insurance agent about the types of coverage you need.
Get Boat Coverage
If you have a boat, it’s a good idea to have boat insurance coverage for it. It’s essential to have this coverage to protect yourself financially. When you have a boat that isn’t insured, give us a call at The Insurance Shop USA in Sandpoint, ID.
