While you're cruising down the Long Island Sound or any of Connecticut's local waterways, the thought of your boat or watercraft being properly insured is probably the last thing on your mind. Before you jet off into the open water with your new boat, however, it's important to take a few moments to make sure you're properly protecting your vessel. If you don't, you may wind up with some unneeded stress and headaches if your boat is damaged in an accident.
Is a boat or watercraft insurance policy right for you?
Many boaters may think that getting a separate boat insurance policy is an unnecessary expense. After all, Connecticut doesn't require boaters to have their own insurance policies, and watercraft vessels may be covered under some homeowner's insurance policies. However, many of these plans only cover specific boat types and sizes, so it's important to read your policy carefully. If securing financing to purchase your boat, your financial institution may require you to get separate boater's insurance also. Plus, many harbors and marinas require vessels to be insured before they're allowed to be stored there.
Make sure your boat or watercraft plan covers both liability and property insurance. That way, medical expenses are covered if someone is injured on board and you'll have help paying for repairs if the vessel is damaged in an accident. You may want to consider adding uninsured boater's insurance to your policy as well.
Find the right boat insurance agent
C & A Insurance LLC is here to help make sure your boat or watercraft is ready to enjoy the open water. Wherever you are in Connecticut, our team will make sure your boating investment is well protected. Need help choosing the right boat or watercraft insurance plan? We can help! Call or stop by our office to learn more about specific plans and coverage options for your boating needs.