What is typically not covered by boat insurance policies?

Taking your boat out for a nice day during a vacation in Las Vegas, NV may make you forget about everything that can go wrong. While you may have peace of mind with your insurance package, you must be mindful that everything is not covered. If you are looking for a suitable insurance plan, consider checking out what Everett Insurance Group has to offer.

When Your Boat is Not In Use

When you put your boat into storage on your property, it may likely be out of reach of your insurance policy. Instead, it may be covered by an extension of your homeowner’s insurance. An umbrella policy may also be needed for extended coverage away from the water. Boat insurance plans may also have specified periods of coverage for the months that you are not using the boat.

Personal Possessions

Expensive items that you or passengers take onto your boat are likely not covered. Of course, there is always variance to this, and it may be optionally added to comprehensive coverage. There may also be limits to types of items covered or value limits if you use an add-on policy.

Internal Machinery

Some insurance policies may specifically exclude covering damage to internal components (like engines). This should be carefully reviewed and discussed with your insurance policy if this is a concern.

Intentional Damage

If you intentionally cause damage to your own boat or others, you can bet that it won’t be covered. In fact, you may also have other legal issues on hand if this occurs.

Contact us

Once you get everything sorted out for your boat insurance policy in Las Vegas, NV, you may finally enjoy your boat trip in peace. If you are shopping around for the perfect plan, consider consulting with the experts of Everett Insurance Group.