Category: Boat/Watercraft Insurance

Boat insurance is extremely important for anyone who owns a boat. Not only can it protect the investment you have in your boat, but it can also save you from financial devastation following a serious accident. Boating accidents occur frequently and can result in substantial expenses. You could face severe financial and legal repercussions without boat insurance to cover these costs. Hence, do not risk it – secure boat insurance instead. To get started, contact us at Land Home Insurance Services.

Boating Accidents

Boating accidents can be quite expensive. Medical bills for the injured can be exorbitant. There may also be lost wages, legal costs, etc. If you’re without boat insurance, you’re responsible for paying all these bills and more. You’ll also have to cover the damages to another person’s boat, the damage to your own boat, and any lost personal items from the other boats. Thus, maintaining boat coverage is crucial so that the policy can cover these costs.

Types of Coverage

Boat insurance is similar to auto insurance in terms of the types of coverage provided in the policy. For instance, there’s collision coverage, which pays for the damage to your boat and personal possessions in an accident. This coverage is essential in protecting your investment in the boat. Additionally, you should have liability coverage for property damage and bodily injury liability, which are critical in financially safeguarding yourself.

Acquire Boat Insurance

Boat insurance is necessary for your financial protection if you own a boat. If your boat isn’t covered, we can assist. Simply contact us at Land Home Insurance Services to learn more.

The weather started getting rough. Your tiny ship was tossed. If not for your insurance policy you’d suffer huge financial loss. Huge financial loss. Other things can happen to damage a boat such as fire, theft, vandalism, and more. That’s what the boat insurance is for. So, if the worst happens and your boat gets damaged, what do you do next? 

Step-By-Step Instructions

The first thing you do is report the damage to your insurance company immediately. Outline all the details to them so that they understand and can help you expeditiously resolve the claim. You may have to file a government report next. This is necessary if any illegal activity is at hand. Document all the damage. Your adjuster may want to see some pictures of the damage. Do not repair anything until you have confirmed that your insurer has been given all the necessary information. If the repair is time-sensitive, you may start working on it, but get a professional. You need an expert on marine-focus repair to work on your boat. Your adjuster may be able to recommend someone. 

How to Avoid Damage

You can prevent collision with a submerged object by using GPS or underwater radar. Always stay present and sober at the helm to prevent collision with other vessels. Anti-theft devices and motion detectors can keep your craft and equipment from being stolen. Keep abreast of weather conditions before taking the boat out. Keep a fire extinguisher on board as a safety precaution. Most boat fires are due to electrical mishaps so see to it that all electrical connections are tight as well as free of corrosion. Check your engine for fluid leaks also.

Land Home Insurance Services Is Here To Assist

If you need boat insurance, we at Land Home Insurance Services are ready to give you what you need. 

If you own a sailboat, you know that maintenance and repairs can be expensive. Something always needs to be fixed or replaced, from the hull to the hardware. But what happens when you have an unexpected accident that damages your sail?

What is Covered by Boat Insurance? 

Boat insurance policies typically cover damage and theft of property, as well as liability for any accidents or injuries that may occur while on the water. Most boat insurance policies do not cover damage caused by wear and tear over time or extreme weather conditions—so if your sail becomes ripped due to these factors, you may not be covered.

Does Boat Insurance Cover a Rip in My Sail? 

In most cases, yes—boat insurance can cover a rip in your sail if it is caused by an unexpected event (like an accident). This means that if another boat collides with yours and causes your sail to rip, it should be covered under your policy. However, it likely won’t be covered if the rip is caused by normal wear-and-tear over time or extreme weather conditions (like high winds). It’s best to check with your insurer before filing a claim, just in case.  

Ensure You Have The Right Coverage

If you own a sailboat, ensure you have the right insurance coverage from Land Home Insurance Services. We also offer comprehensive coverage for motorboats and other recreational vehicles too! Our agents will work with you to find the right policy for your needs and budget so that you can protect yourself financially in case of an unexpected event like an accidental rip in your sail. 

Give Us A Call

Contact Land Home Insurance Services today for more information about how we can help protect your investment with comprehensive boat insurance coverage!

Land Home Insurance Services can help you find the comprehensive boat policy that’s right for your needs. If you have questions about boat or any other type of insurance, give us a call today.

Is it time to increase the liability protection provided by your boat policy?

There is some risk that comes with owning and operating a boat. When injuries occur, there can be liability issues and substantial damages. Liability protection is very important for boat owners. If someone is injured while a passenger is on your boat, the liability risk can be extreme. Without adequate protection, the owners themselves could have to bear the brunt of the liability exposure. No one wants to have to deal with financial liability when they can be protected by a comprehensive policy.

Upgrading your current boat policy to one that provides comprehensive liability protection is a good idea. This enhanced protection can help protect you from losses to passengers and property in a situation where your vessel is involved in a covered event. Increased medical expense coverage along with increased collision coverage and property damage protection can also be included in an upgraded comprehensive policy. 

Knowing that you have increased liability protection means that you can enjoy your boat with the peace of mind that comes with having the right protection in place. Waiting until there is a situation where you need enhanced protection is not necessary. Upgrade your boat insurance today.

Contact our office today!

Owning a boat comes with some liability risks. Let the team at Land Home Insurance Services help you find the right boat insurance policy for your unique needs. Give our office a call today to find out more about the policy options that are available in our area.