It isn’t legally mandated that boaters have boat insurance, so do you really need it? Absolutely. There are many ways in which a boat insurance policy can help you. It’s smart always to have a boat policy as long as you are a boat owner. If you go out with a boat that isn’t insured, you’ll be vulnerable to many risks. You’ve invested a lot into your boat, and you need to protect it appropriately.

When you need boat insurance in Quakertown, PA, call us at R&R Insurance Group LLC.

Liability Coverage

The most important coverage that you need in your policy is liability insurance. You should have property damage liability as well as bodily injury liability coverage. These protect you in different ways after an accident that’s your fault happens. If you cause an accident, bodily injury coverage protects you by paying for the other person’s injuries so that the other party doesn’t have to sue you. You also need property damage coverage so that ay damage to another watercraft or other property can be covered. Going out without these coverage types means you aren’t protected and will likely get sued after an accident. 

Coverage for Your Boat

You also need to have collision coverage. This type protects you against the repairs needed for your own boat after you’ve been the cause of an accident. Many people don’t think a boating accident could happen to them, but it’s fairly common on the water. You could get into an accident anytime you take the boat out for a spin. 

Get Boat Insurance 

If you’re a boat owner and you don’t have boat insurance, it’s time to get a policy. You can call us at R&R Insurance Group LLC in Quakertown, PA to find out more and to get started with your coverage.