While carrying boat insurance is essential, understanding the coverage it offers is equally important. One of the most common questions we get from boaters is: “Does boat insurance cover storm damage?”. In this blog post, we take a look at this topic in more detail and offer some tips to protect your boat against storm damage and other risks.
Does Boat Insurance Cover Storm Damage?
Here, as is often the case with insurance, the answer is “it depends.”
The type of coverage you have will determine if your boat insurance policy covers storm damage.
Typically, comprehensive insurance will cover storm damage. This means that if you carry only liability insurance, your policy won’t cover storm damage.
Comprehensive coverage can pay for any damage that happens during a storm, including damage that occurs during transit. It covers damage to the hull, equipment, and boat motor, among others.
In contrast, a basic boat insurance policy liability coverage will only pay for damage that you cause to someone else’s boat or property.
Boat Insurance and Storm Damage: Some Useful Tips
Boating is one of life’s most pleasurable experiences. However, you need to be ready to deal with different risks, including storm damage. Here are some tips to help you do just that:
- Read your policy carefully and make sure it covers all the aspects you need it to cover.
- Taking a boating class or boating safety education course can help you save money on insurance premiums.
- If you have a powerful boat, talk to your insurance agent to make sure you have enough liability coverage.
- Take preventative measures to minimize the risk and extent of storm damage: Tie or remove objects that can be picked up by the wind, use a strong mooring line, and remove any valuable items or equipment if you know a storm is coming.
To learn more about boat insurance, check out our previous posts, “Do You Need Boat Insurance During the Winter Months?” and “Is Boat Insurance Required in California?”
Delgado’s Insurance: Affordable Boat Insurance in California
If you need dependable and affordable insurance in the Golden State, look no further than Delgado’s Insurance.
We have locations in Riverside, California, and Bloomington, California. Get in touch today by telephone (951-361-0084, 909-421-9003), email (mail@delgadosinsurance.com), or through our social media accounts (Facebook, Twitter)!
