If you own a boat, you may wonder whether it really needs boat insurance. Surely, there must be some boaters who don’t need this type of insurance. However, that isn’t the correct answer. No matter the size and type of boat you own, you need boat insurance. It isn’t required for boat owners in Michigan, but that doesn’t mean you can go without it. You need the protection that boat insurance provides for as long as you’re a boat owner. Call us at Dalessandro Agency Inc. in Grand Rapids, MI to learn more about this insurance.
Every Type of Boat Needs Insurance
Even if your boat is very small and/or not very expensive, it can cause a lot of expensive damage. A boating accident can happen anywhere and with any boat. It’s essential that you’re covered in case this happens. Without coverage, you could be liable for a wide range of costs. These can include the medical bills of everyone affected, the legal costs of working out the payments, any ongoing therapies that the victims need, their lost wages, and the cost of the property damage. Paying for all of these could be very difficult without boat insurance.
Understanding Boat Insurance
Boat insurance works much the same way auto insurance does. It can cover your boat while it’s on the water as well as when it’s on land. Types of coverage include property damage liability, bodily injury liability, collision, and comprehensive coverage. Having each type of coverage is the best way to ensure you’re protected when it comes to your boat, even when it isn’t being used.
Ensure Your Boat is Covered
Call Dalessandro Agency Inc. in Grand Rapids, MI, to ensure the right insurance covers your boat.