Why All Boaters Need Boat Insurance

If you own a vehicle, you know how important it is to have an auto insurance policy. However, the same is true with boats. They need a boat insurance policy in case of accidents and other incidents that could mean they’re in financial danger. The best way to protect yourself on the water outside of life jackets is to have a boat insurance policy. If you own a boat that isn’t insured, call us right away. We’re available at Boss Insurance Agency in Kingwood, TX.

Boating Accidents

Just like accidents on the road, accidents on the water are common. And just like with auto accidents, these situations can be costly. Every boater needs to be protected against the high cost of accidents. Boat insurance comes with several types of coverage, each protecting you against something different. The main types of coverage are bodily injury liability and property damage liability. These policies are important for paying someone else’s medical costs and property repair bills after they’ve been in an accident with you. Without boat insurance, you’d have to pay for all these expenses yourself. 

Other Coverage

If you want to protect your property in case of an accident, add collision coverage to your boat policy. This coverage can pay for the repairs you’ll need after you cause an accident with another watercraft. Having this coverage is important to protect the large investment you’ve made into your boat. You can also add comprehensive coverage to cover the boat while it isn’t on the water. Many things can happen to a boat on land. 

Get Boat Insurance

If you need boat insurance, don’t wait. Call Boss Insurance Agency in Kingwood, TX, now to find out more. 

Three common misconceptions consumers sometimes have about boat insurance

Boat owners need to avoid making poor insurance decisions because of misconceptions about boat insurance. At Boss Insurance Agency, we can ensure that boat owners in Kingwood, TX get accurate information on boat insurance coverage.

Here are three common misconceptions consumers sometimes have about boat insurance. 

You should cancel boat insurance coverage when your boat is in storage.

Boat owners shouldn’t assume that they don’t need to worry about insuring their boat when their boat is in storage. Boat insurance coverage is useful when a boat is in storage because boats can become damaged while in storage.

Boat insurance providers usually offer coverage that can be specifically tailored to insurance needs while a boat is in storage during the off-season. Discuss off-season storage insurance options with your insurance provider rather than simply canceling your policy while your boat’s in storage. 

Boat insurance will definitely cover your boat if it is damaged in a hurricane.

Not all boat insurance policies include coverage for hurricane damage. You need to look at the fine print of your policy if you want to be covered for hurricane damage. You might need to add hurricane coverage on to your policy because standard boat insurance policies don’t usually include hurricane coverage. 

Boat insurance always covers the personal property you keep in your boat.

Boat insurance policies often offer some coverage for personal property within a boat. However, this will only cover you up to a certain maximum amount. That’s why it’s important to consider the value of your belongings in your boat and make sure that your policy covers you for the full value of your personal property. 

Schedule A Consultation Today

Get a quote on a boat insurance policy by calling us at Boss Insurance Agency. We’re here to answer your questions about coverage for your boat in Kingwood, TX. 

Tips to prepare your boat for a storm

Weather can be unpredictable here in the Kingwood, TX area, so it’s important to prepare your boat for a storm.

Here are some tips from us at Boss Insurance Agency to help you get ready:

1. Check the Weather Forecast:

Before you head out on the water, take time to check the weather forecast. Pay attention to any specific warnings that may be issued and plan accordingly.

2. Secure Your Boat:

Make sure everything is properly secured onboard, including extra lines and fenders. You don’t want anything flying off or getting damaged in the storm. 

3. Inspect Your Vessel:

Check your boat for leaks or any other issues that could arise during bad weather conditions. 

4. Have Necessary Supplies on Hand: Make sure you have necessary supplies such as flares, life jackets, first aid kits, etc., in case of emergency. 

5. Fill Up Fuel Tanks:

Make sure your fuel tanks are full so you can keep running during a windy day or if you need to make an emergency maneuver in rough seas. 

6. Have a Plan:

Know where you are going and how to get there before leaving port. Make sure you have an escape route in case the weather turns bad quickly, as well as a place to seek shelter along the way. 

7. Anchor or Dock Securely:

When anchoring or docking your boat for the night, make sure you do it securely and safely. This will help protect your vessel from any rogue waves or strong winds that could come up. 

Keep Your Boat Insurance Updated

By taking these simple steps ahead of time, you can ensure your safety and protect your vessel from any potential damage that a storm may bring its way! For more tips, call us at Boss Insurance Agency today. We serve the Kingwood, TX area.

Does boat insurance cover water skiers?

Picture this: You’re out on the lake, enjoying the warm summer sun and the freshwater smell. You’ve got your boat, and your friends, and everyone is having a great time. Suddenly, someone falls while water skiing and sustains some injuries. Will your boat insurance cover them? Boss Insurance Agency is here to answer your questions about boat and watercraft insurance in Kingwood, TX.

Water Skiers Are Usually Covered Under Boat and Watercraft Liability Insurance

There are a few things you need to know about boat insurance and what it covers. Most standard boat insurance policies will cover you for liability if someone is injured while on your boat. This includes water skiers, wakeboarders, tubing, and even swimmers who are hurt while in the water near your boat. And just so you know – Injuries that occur while people are loading or unloading from your boat are also usually covered.

But There Are Some Exceptions

However, there are some situations where boat insurance will not cover injuries. For example, if someone is hurt while using equipment that came with the boat, such as oars or a tow rope, they may not be covered. Additionally, most policies exclude coverage for racing boats or boats used for commercial purposes.

Boss Insurance Agency is Here to Help

So, does boat insurance cover water skiers from Kingwood, TX? The answer is usually yes, but there are some exceptions. The best way to know for certain is to check the coverage listed in your policy. Contact an agent at Boss Insurance Agency to look at your policy to see if water skiing (or any other activity) is covered. We’ll make sure you have the coverage you need.  Then go out and have fun!