Top Things You Should Know About Boat Insurance

There is nothing quite an exhilarating as being out on the water with the wind blowing through your hair. Owning a boat is a dream that many people have, and when they finally realize that dream, they are like children in a candy store. However, when it comes time to purchase boat insurance in Chesapeake, VA, they become lost and confused. With that being said, read on below for a few of the top things you should know about getting insurance for that new boat you are thrilled with.

Why Do You Need it?

Many people who are new to owning a boat don’t realize that their homeowner’s insurance doesn’t stretch to cover anything that happens to that boat. Some policies will cover a small boat with no motor, but if you are buying a 10,000 to $20,000-dollar boat, you are going to need a separate policy. It’s important to get this policy because you just never know what is going to happen. For example, say a thunderstorm comes through your neighborhood and drops a tree on your brand new boat. You will not be covered by your homeowner’s policy and may just be out of luck for repairs or replacement.

How do You Save Money on Boat Insurance?

There are a number of ways to save money on that boat insurance that you need. Read on for a few of them.

*Make sure to get all of the bells and whistles when it comes to safety features for your boat
*Take a boating class, insurance companies often give discounts for this, just as they do for driving classes

These are just a couple of things that you need to know about the insurance you are going to put on that new boat of yours. For more information, contact Nina Ambrose today.

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