Four things you might not know about boat insurance

If you own a boat, finding insurance coverage for it is crucial. Integra Insurance Services provides boat insurance to consumers in Huntington, TX.

There are a few things that boat owners need to be aware of regarding boat insurance coverage. The following are four things you might not know about boat insurance. 

Boat insurance is often required at marinas.

Do you plan to keep your boat at a marina? If so, you should realize that you’ll probably be required to carry insurance by your marina.

Be sure to familiarize yourself with boat insurance requirements when you make arrangements to keep your boat docked or stored at a marina. 

You only get limited coverage on your boat through your home insurance policy.

Many boat owners make the mistake of relying on their home insurance policy to cover their boats. Home insurance usually only covers a policyholder’s boat when it’s located on their property. This means you need to buy boat insurance for coverage when you take your boat into waterways off your property. 

A boat insurance policy typically includes some coverage for personal belongings in your boat.

You may have some valuable belongings that you typically keep in your boat. You’ll be happy to know that a typical boat insurance policy will cover these belongings up to a certain amount. 

Boat insurance policies are limited to certain navigation areas.

Boat owners cannot expect to enjoy coverage anywhere they go. When you buy boat insurance, your policy’s coverage will be limited to a certain area and won’t cover you if you get into a boating accident outside of this area. 

Integra Insurance Services is dedicated to offering boat insurance that makes boat owners in Huntington, TX more financially secure. Call us to learn more about the policies that we provide to those in the area.