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Kentwood, MI 49508

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What You Need to Know About Boat Insurance

Few things compare to taking your friends and family out on the water in your very own boat. Boat ownership provides a way to spend time outdoors while making memories to last a lifetime. The best way to protect these precious things is by making sure your boat is insured properly. At Dalessandro Agency Inc., serving Grand Rapids, MI, we want to help you make solid insurance decisions. Let’s take a look at what you should know about boat insurance.

Is Boat Insurance Necessary?

Although boat insurance is not required to operate a boat or watercraft, it is recommended in all fifty states. Boat insurance is necessary if you want to protect the investment you have made into your boat. You have invested money and maybe even some time. You want to make sure this investment is not lost due to an accident, fire, storm, or theft. 

What Does Boat Insurance Cover?

Boat insurance operates very much like vehicle insurance, with a few differences. In general, a boat insurance policy will cover:

  • Collision/comprehensive– If your boat is lost or damaged because of an accident, fire, natural disaster, or theft, then your insurance policy will help pay for the repair or replacement of your boat. 
  • Liability– Liability is one of the most important types of coverage for boat owners. If someone is injured on your boat or because of your boat, the insurance policy will help pay for any medical bills or legal fees resulting from the incident. Without liability coverage, you will personally be held responsible for these expenses. 

If you would like to learn more about boat insurance or any of our other insurance products, please contact us at Dalessandro Agency Inc, serving Grand Rapids, MI. We will be happy to answer your questions today.