Do You Need Boat Insurance Year Round?

If you’re looking for boat insurance in the Amityville, NY area, Acme Insurance Brokerage can help. But do you need to insure your boat all year round? You probably don’t use it in the wintertime and it’s stored in your garage, a dry dock, or another location. Some people also cover their boats securely and store them outside. No matter where you’re keeping your boat, though, it’s a pretty safe assumption that it’s not being used when the weather is cold and snowy. Still, there are accidents that can happen to it and it’s a good idea to make sure it’s insured even when it’s sitting parked.

If you want to protect your boat from harm, keeping it insured is one of the best ways to do that. By working with knowledgeable agents, you may have the opportunity to reduce or adjust your boat coverage during times when it’s not being used. That can mean adequate protection all year round, so you can have peace of mind about your boat more easily. You don’t have to drop your coverage and hope that nothing goes wrong, or remember to get coverage before the first warm, summer day. Our agents can help make sure you’re handling your boat policy the right way.

Boat insurance in the Amityville, NY area doesn’t have to be complicated or difficult. You can get the help you need today from Acme Insurance Brokerage. That way you won’t have to worry about the kind of coverage you have and the type of policy you’re offered. You’ll know you’re getting good recommendations so you can make an informed choice. You’ll be able to enjoy using your boat when the weather is nice, and you can store it without worry during times when the weather isn’t good for boating. Reach out to us today, and let us help you find coverage that meets your needs.

Do You Need Boat Insurance in New York

Having a boat is great for spring trips or summer getaways. If you own a boat or are thinking about getting one, here are a few things you should consider if you’re in New York. The agents at Acme Insurance Brokerage in Amityville, NY can help you with your boat insurance needs and questions.

Insurance for Boats

In New York, you will need to register your boat before you can drive it on to the water. Even though insurance is not necessary, some marinas do require a certain level of insurance to use their space. It would also be a terrible loss if you did not have insurance and something tragic happened to your asset. Some homeowner’s insurance policy may cover a portion of a boat, but it will be restricted based on the size and horsepower. Your policy will also have limits on a boat’s coverage. Getting boat or watercraft coverage is a better way to protect your boat. 

Watercraft Insurance Coverage

  • Property damage liability – is part of your liability coverage that protects you if you cause damage to some else’s boat, property, or dock.

  • Collision coverage – covers you by helping to pay for repairs or a replacement boat if it is involved in an accident.

  • Comprehensive coverage – protects you if your boat is damaged as a result of vandalism, weather, and fire. It also helps you if your boat is stolen.

  • Bodily injury liability – covers the cost of medical payments and other expenses that you would have to pay if you injure someone. 

The amounts paid to the injured party are based on your policy’s limits. You can always tailor your policy to match your needs. In Amityville, NY, Acme Insurance Brokerage can help you get the boat insurance that will benefit you.