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BoatYou’ve been in an accident. Or perhaps your boat is sinking. What happens now? While many people believe a boat going down is the end of the story, it really isn’t. In many cases, there is the need to clean up after such an event. In other cases, the boat may not actually sink and may still be repairable. When it comes down to it, you need help to get through this type of instance. As a boat owner, if you have a high quality boat insurance policy, you could have the support you need.

How Can Boat Insurance Help You?

Boat insurance can help to provide coverage for many of the losses you have. Take a closer look at some of the policy options you may have as a policyholder.

  • Property damage insurance, such as collision insurance, can help you to recover the losses of your boat. If you have this type of coverage and the boat is damaged in a covered claim, such as a covered fire or weather event, then the policy can pay out up to the value of the boat, the replacement cost or the claim limit, depending on the details of the policy.

  • Your contents on the boat may also be covered. This may include personal items, as well as electronics and computer systems. It’s covered up to the dollar amount of the policy.

  • You may have coverage to help tow your boat back to shore so that repairs can be made. In a significant event, the insurer will determine if the boat is salvageable or not.

  • You may have coverage to pay for clean up as it relates to the claim and the incident. This may include any type of marine cleanup necessary.

The type of boat insurance you have really does make a difference in terms of what you can expect during the process. Do not overlook the importance of updating your policy to reflect the types of risks you take on, especially if you are traveling in rough open seas, carrying a great deal of fuel or being exposed to other risks. Comprehensive boat insurance can help you with the cleanup, the repairs and helping you to recoup other losses you are facing.

Get the protection you need. Call Harrell Insurance Agency at (843) 766-5533 for more information on Charleston boat insurance.

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