Owning a boat may have brought you immense happiness, but afterward, it’s no walk in the park.

Sure, you can take your kids out to the water for a small fishing trip, but do you have any idea the amount of time, money, and effort you have to invest in its maintenance? These are all the risks that a boat owner has to take.

If only there were an easy way to minimize the cost of these risks…

Why Do You Need Boat Insurance?

Boats are expensive, and so is the equipment that comes with it. If any physical damage occurson your boat, you don’t want to use up all of your hard-earned savings to pay for the damages.

That’s where boat insurance comes in.

From protecting you against injuries onboard to taking care of the damages during the off-season, boat insurance has stepped in like a knight in shining armor for all boat owners.

3 Things You Should Know

Here are a few things you should know about boat insurance and why you should opt for it.

Home Insurance and Boats

Some small boats, canoes, or boats without an engine are protected by your personal property insurance.

But if your boat has a big engine or motor, you need separate coverage for it so you can cover yourself in the face of potential risks or accidents.

What Does Boat Insurance Protect You From?

There’s a range of catastrophes that can annihilate or damage your boat—you never know when a fun and sunny day out on the water can turn disastrous.

Boat insurance provides you coverage for sinking, storm, theft, fire or explosions, stranding or capsizing, and collision.

Liability Coverage Offered In Boat Insurances

There are two main types of liability coverage

Personal liability covers what a boat owner is legally obliged to pay up in case of any injuries on their boat. It includes injury expenses, legal defense, and property damage.

On the other hand, medical payment coverage handles the medical bills and expenses incurred on the boat during an accident. The medical bills include hospital bills and ambulance charges.

Whether you’re taking your boat for a spin or have it docked for the season, it’s essential that you’re protected against potential losses or damages.

If you’re on the lookout for boat insurance in PA, get in touch with Gilmartin Insurance Agency!

We’re one of the leading providers of boat insurance in Lehighton, Jim Thorpe, Pittston, and Clarks Summit.

You can compare packages from all of our insurance companies to receive the maximum amount of coverage for your boat at the best rate!

Get a quote by getting in touch with us today.