Why Every Boater Needs Boat Insurance

If you are a boat owner, there are many things that you have to do to keep up your boat. In addition to boat cleaning and maintenance, you need to have boat insurance to cover both yourself and your boat. Every state has its own rules about boat insurance, and some don’t require boaters to have it.

In Missouri, it is not required by law to have this coverage. However, every boater should have this insurance for important protection. You don’t want to be out on the water and completely uninsured. Accidents happen on the water, and everyone is at risk of them. If you have a boat, make sure that you take the precaution of covering it with an insurance policy.

To get started, call us at Nieroda Insurance Agency in Saint Charles, MO.

Why Boat Insurance?

Water Accidents 

Boats do have collisions on the water with other boats, and the accident you have maybe your fault. When this is true, you need to have the coverage that is needed to pay for the damages done to the other party. Having liability coverage for your boat can mean that the other party’s medical bills and property damage are paid for by the policy. Insurance is especially important when you are in an accident with a higher-end boat. These boats can cost an enormous amount, and any damage to them will be extremely costly. Bot insurance allows you to have confidence on the water instead of worrying every minute.

Boat Coverage Types

There are different kinds of coverage that you can get for your boat. The most important is to have plenty of liability coverage in your policy in case there is an accident that you are found to be at fault. When you have collision coverage, this pays for the damages to your own boat. You can also get comprehensive coverage that covers the boat against off-water incidents.

Get Your Boat Insurance

When you are a boat owner, you need to make sure that you’re well-covered with insurance. To get started, give us a call today at Nieroda Insurance Agency in Saint Charles, MO.