If you own a boat, you need to have boat insurance. Even if you don’t take your boat out very often, it needs to be covered by boat insurance. It isn’t required by law for you to have it, but that doesn’t make it any less necessary. If you were in a boating accident, the cost of the damages can be extremely high. It’s a good idea to be protected against those costs by keeping a boat policy. Call us now at Integra Insurance Services in Huntington, TX if you need boat insurance.
At the bare minimum, you should have liability coverage for your boat. Boating accidents are common and commonly cost quite a bit to take care of. If a boating accident is judged to be your fault, you would be liable for all the costs associated with the accident. This could include medical bills for anyone who is injured in the accident. It can also include the damages done to another boat or other watercraft. When you have liability protection for your boat, you are better protected in serious accidents.
It may also be helpful to have collision insurance for your boat. Much like collision insurance for a land vehicle, it protects your boat against damages that can happen during an accident. If the ship is expensive, it’s essential to have this coverage so that the boat can be repaired or replaced after an accident. Without this coverage, you could be left to pay for the repairs or replacement from your own pocket.
Get Boat Insurance
When you need boat insurance, we’re here to help. Call us at Integra Insurance Services in Huntington, TX to learn more about it and get your own policy.
At Integra Insurance Services in Huntington, TX, we hold many different insurance policies. One of our popular policies is toy insurance. While you might think of dolls and remote-controlled monster trucks when you think of toys, those aren’t usually the types of items that toy insurance covers.
While all toy insurance policies have their own terms and limits, there are some critical perks to this kind of insurance policy.
What is toy insurance?
As the name implies, toy insurance is used to cover “toys.” For some insurance policies, the “toy” in “toy insurance” refers to actual toys like collectibles, pricey vintage toys, and antique play items.
For other policies, “toys” means something less literal. In these types of policies, you will find that they cover recreational items like jetskis and other grown-up toys that give you enjoyment every time you ride them.
Since regular auto insurance policies don’t tend to cover four-wheelers, jet skis, and other recreational vehicles, toy insurance can be a perfect solution to getting coverage for these vehicles.
Is toy insurance right for me?
While you are the only one who can answer that question, there are some ways to determine whether adding a toy insurance policy to your policies would be a good idea for you. Firstly, if you have a large, expensive collection, toy insurance may be able to cover replacement costs for the items if they are stolen or damaged during a qualifying event. If it is the kind of toy insurance that covers recreational vehicles, it is usually a good idea to get it.
If you think toy insurance might interest you, call our office at Integra Insurance Services in Huntington, TX to learn more about our services.