When driving your boat in a busy area, there’s little worse than running into something and seriously damaging your boat or others. Thankfully, we at Securum LLC can provide Bellevue, WA residents with the high-quality boat insurance that they want to minimize long-term financial troubles caused when hitting anything else while you’re driving. But will a standard boat insurance policy cover collisions like these?
Understanding Standard Boat Insurance Coverage Options
When you buy a standard boat insurance policy, you typically do not get collision coverage as part of your policy. However, you can add on collision if you want to protect yourself from various types of damage. This type of policy will cover many elements of your driving experience to keep you safe.
It differs from comprehensive, which covers natural damage such as fires, floods, and wind damage. In addition, collision will help in other situations, including when hitting:
- Submerged docks
- Above-water docks
- Another boat
- Rocks or debris
This policy option will help to pay for injuries on your boat and can even help pay for pet treatments, if necessary. By contrast, a standard policy will cover things like total replacement costs, bodily injury, property damage (to other people’s property), fuel spills caused by your vehicle, removing the wreckage of your boat, and roadside assistance if you break down while hauling your boat.
Find a Policy That Works for You
As you can see, you need to be careful when choosing a high-quality boat insurance policy for your vehicle. However, if you feel uncomfortable with this process or want to upgrade your coverage to handle collisions and other issues, please contact us at Securum LLC right away to learn more. We serve Bellevue, WA and the surrounding area and will provide high-quality coverage that makes sense.
