Do Boaters Really Need Boat Insurance? Yes!

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. 

Boat Insurance FAQs

At R&R Insurance Group LLC, serving the greater Quakertown, PA region, we provide boat insurance to our new and long-term clients. When searching for the right insurance policy, many people have questions. Here are some frequently asked questions and answers to those questions regarding boat insurance.

Frequently Asked Questions

What types of boat insurance coverage are available?

There are several different types of coverage available that boaters can choose from; these include the following:

  • Liability coverage
  • Uninsured/underinsured boater coverage
  • Medical payments coverage
  • Comprehensive and collision coverage
  • Personal property coverage
  • Full replacement cost
  • Fuel spill coverage
  • Wreckage coverage

Is boat insurance required in Pennsylvania?

The state of Pennsylvania does not necessarily require boat insurance. However, if you are financing a boat, your lender might require you to have boat insurance. Even if your state does not require boat insurance, some marinas require proof of insurance before they let you dock your boat.

Who needs boat insurance?

It is a good idea to have insurance if you own a boat, lease a boat, or are financing one. If you are a regular boat user, boat insurance is a wise idea. It will give you peace of mind and protect your assets if you get into an accident.

What types of boats does insurance cover?

There are several types of boats that insurance covers. They can range from a simple canoe to a bigger boat, such as a yacht. Boat insurance has many options and can cover just about any type of boat or watercraft you can imagine. Although, you might want to check your policy to ensure your boat is covered.

Give Us A Call

We hope this answers some questions you might have about boat insurance. For more information, contact R&R Insurance Group LLC in Quakertown, PA.

Don’t Neglect Boat Insurance: Here’s Why

If you own a boat in Quakertown, PA, you may try to get away with not owning insurance, especially if your area doesn’t require it. While we understand that impulse, it is a bad one because boating insurance is a beneficial thing to own. If you’re not sure, here’s why we at R&R Insurance Group LLC always suggest high-quality and strong boating insurance to our many customers.

Reasons Why You Need Boat Insurance

If you’re still on the fence about why you need boat insurance, we came up with a few different reasons why these policies are so essential. Just a few reasons to get these policies include how they:

  • Protect Your Craft – Did you know that your boating policy will pay for replacing or repairing your boat? It will, and you need to know how to take advantage of that fact.
  • Avoid Lawsuits – When you crash your boat into somebody else, you might get sued. With a boat insurance policy, you can avoid difficult financial repercussions.
  • Minimize Legal Concerns – If you take your boat to another area that does require boating insurance, a policy will protect you from getting impacted financially.

Try to identify a policy that covers all of your needs, such as adding medical care if you want to protect yourself from getting high medical bills after a serious injury.

Don’t Neglect Your Watercraft

Please don’t hesitate to contact us at R&R Insurance Group LLC if you need help finding boat insurance that makes sense for your needs. We serve Quakertown, PA and will work directly with owners to figure out a policy that makes sense. Our team feels comfortable working with many people and will do what they can to help you find a policy that fits your boating and financial needs.