Things your boat insurance covers

For many people, owning a boat is a dream come true. It does, however, comes with some liability. Boat owners in Mesa, AZ can feel confident talking to the agents at INW Insurance Group to discuss what the ramifications of being a boat owner are and how best to protect themselves and their assets. While boat insurance is not required in Arizona, it may be required by your lender if you finance your boat or by a marina where you store your boat. 

Boat insurance has many of the same coverages that you would get with an auto policy collision damage to your boat, liability coverage, and non-collision damage. 

Liability coverage

Liability coverage protects you against any kind of litigation that may be filed against you whether for property damage or bodily injury. If someone is traveling with you in your boat or is a passenger in a vehicle you have a collision with and is injured, you may face being sued. This coverage also covers damage by you to other water vehicles and structures such as docks or piers. 

Collision coverage

Collision coverage protects your vehicle from damage that results from a collision. It also covers the motor and the trailer. You likely have a large investment in your boat and you would not want to lose that investment due to an accident. 

Comprehensive coverage

Not all damage is caused by a collision, weather can be very damaging to your boat. Vandalism and theft are also part of this important coverage. 

When you own a boat making sure that you have the correct insurance to protect you, your assets and others is vital. In Mesa, AZ the knowledgeable staff at INW Insurance Group has the information that you need to make the most informed decision. Give the office a call or stop by for a no-obligation quote.