When you head out in your car or boat, your home insurance will cover anything that you bring from home. But for many boaters in Huntington, TX, there is property that is intended to stay on the boat. In particular, we’re talking about boating equipment, but also any clothing, appliances, and anything else you might keep onboard. If you want your boat insurance to cover this, then you need to keep an inventory.
So how often should you update this inventory?
- After a big purchase. If you just bought a new anchor or installed a mini-fridge, you can go ahead and contact your agent and add that right away. Provide your insurance company with photos and receipts and you’re good to go.
- Once every six months to a year. As with purchases for the home, purchases for the boat tend to accumulate over time. You don’t need to call your insurer every single time you put a new shirt in the cabin’s dresser, but after a year or so, a wardrobe gets to be expensive to replace. It’s a good idea to video this documentation so that you don’t miss anything.
The personal property insurance for possessions you keep on your boat is unlikely to cover anything close to the value of the possessions in your home. If you own a smaller boat, it might not even be worth documenting anything but boating equipment. But if you own a larger boat for long cruises, you’ll be glad you kept your insurer up to date.
If you’re still shopping around for boat insurance in Huntington, TX, get in touch with Integra Insurance Services. Pick up the phone or go to the Integra Insurance Services website to see what they can do for you.