Long Island Boat Insurance

If you love spending your free time on the beaches in Nassau & Suffolk County, then you probably have a boat. Unfortunately, you may experience boating accidents or defects as time goes on. When consulting with a Long Island boat insurance company they will highly suggest that you should retain a policy.

Boat insurance covers multiple risks, including collisions, capsizing accidents, and payment of damages such as medical bills and permanent injuries.

Factors To Consider When Selecting Boat Insurance

The type of insurance you should have depends on multiple factors, including the vessel’s type, value, and size as well as where it will operate and its current condition.

Small boats, including canoes, sailboats, rowboats, and powerboats, can be covered by your homeowners insurance policy. The homeowners insurance policies often exclude boat liabilities, but you can negotiate with your insurance company to add a boat liability policy at an extra charge. Having a reputable Long Island Boat Insurance company to steer you in the right direction makes all the difference.

If you have a large boat, for instance, a yacht, you’ll need to buy sole boat insurance. You may need to invest in additional insurance plans such as trailer coverage if your boat has extra accessories. Additionally, getting umbrella insurance is a perfect option for extra liability protection if you get sued for an expensive boating accident.


Types Of Boat Insurance

Usually, boat insurance covers liabilities, but there are extra plans to cover additional incidents or items. They include specialized coverage which shields specific components in your boat such as valuable navigation or prop equipment.

Consequential insurance covers a boat loss or damage resulting from wear and tear issues, including rot, mold, and rust. Also, towing insurance protects your boat from potential damage during the parking period of your boat.

Please consult with a Nassau or Suffolk County Boat Insurance company with any questions. 

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