Owning a boat offers freedom and adventure, but it also comes with the responsibility of ensuring it’s adequately protected. One of the most important considerations for boat owners is determining whether their boat is covered in the event of a natural disaster or storm. At Advantage Service Insurance in Erie, CO, we offer comprehensive boat insurance to ensure that you’re protected from the unexpected.
What Is Covered?
Typically, boat insurance policies cover damage caused by storms and natural disasters, such as hurricanes, tornadoes, and floods, under a comprehensive insurance plan. This coverage generally protects against physical damage to the boat caused by these events, including damage to the hull, machinery, or any other equipment on board. If your boat is severely damaged or destroyed, comprehensive coverage may help you repair or replace it.
Consider Exclusions
While most standard boat insurance policies offer coverage for storms, there are important exclusions to be aware of. For example, some policies may require additional coverage or specific endorsements to protect your boat against hurricanes or floods. If you live in a high-risk area for these types of events, check whether your insurance policy includes coverage for storms or if you need to add a rider for extra protection.
In addition, specific policies may only cover damage if the boat was secured and properly stored before the storm. If you leave your boat unsecured or in a hazardous location, you may find that your policy does not cover the damage.
Protect Your Boat from the Unexpected
Natural disasters and storms can cause significant damage to your boat, but with the right coverage, you can ensure your vessel is protected. Reach out to the Erie, CO, team at Advantage Service Insurance to see how we can provide financial protection.
