5 Things You Need to Know About Boat Insurance

There are boat owners who don’t give much thought to boat insurance. After all, it’s just one more expense, and why worry about something until you need it? But the fact is, boat insurance is a crucial part of being a responsible boat owner. Consult with Manteca Insurance & Financial Services in Central Valley, CA to get guidance on this important coverage.

Here are five things you need to know about boat insurance:

1. You Need It

No matter how careful you are, accidents can happen. And if you’re involved in an accident on the water, boat insurance can help cover the costs of repairs or replacement. Even if you’re not at fault, you could be facing an expensive bill if your boat is damaged. It’s important to have boat insurance in place before you head out on the water.

2. It’s Not Just for Accidents

Boat insurance can also help protect you in the event of theft, vandalism, or severe weather. If your boat is damaged or destroyed by a covered event, boat insurance can help reimburse you for the cost of repairs or replacement.

3. It’s Not as Expensive as You Think

Many people assume that boat insurance is expensive, but that’s not always the case. In fact, it can often be quite affordable, especially when you compare it to the cost of repairs or replacement if something happens to your boat.

4. It’s Worth the Peace of Mind

Knowing you have boat insurance can help you relax and enjoy your time on the water. After all, accidents can happen to anyone. And if something goes wrong, you’ll be glad you have coverage.

5. Premiums and Limits Vary by Policy

When you’re shopping for boat insurance, be sure to compare premiums and limits. Some policies have higher limits than others, and some may even cover additional expenses, such as towing and storage. It’s important to choose a policy that meets your needs.

Get Boat Insurance Today

Now that you know a little more about boat insurance, it’s time to start shopping for a policy. Manteca Insurance & Financial Services in Central Valley, CA offers boat insurance policies that can provide the coverage you need at a price you can afford. If you’re looking for peace of mind on the water, be sure to give us a call. We’ll be happy to help you find the right policy for your needs.

Is it time to review your boat policy?

Manteca Insurance & Financial Services is here for the Central Valley, CA community. If you have questions about your insurance options, we are here to help! Give us a call today to set up an appointment to review your boat insurance policy.

Make sure your boat policy provides the coverage you need

When it comes to owning a boat, there is a lot of work that comes with it! Boat owners have a lot of fun out on the water, but they must also ensure that their boat is protected. 

If you have owned your boat for a while, or you are considering buying one, it’s important to have the right insurance. We recommend that our boat-owning clients take a close look at their policies on a regular basis. Reviewing your policy every year can help you make sure that you have the protection you need.

Buying and maintaining a boat is an expensive undertaking and it may be tempting to cut corners when it comes to insurance. We think that it only makes sense to have appropriate coverage for your investment. If you think it’s time for you to upgrade your policy to one that provides more robust coverage, give us a call today!

There’s no reason why you can’t find a boat insurance policy that meets your needs and is in line with your budget. Having a basic policy may not be the right answer for you as it may not give you the protection you need.

Let’s review your boat policy today!

The team at Manteca Insurance & Financial Services is here for the residents and boat owners in the greater Central Valley, CA area. If you would like to learn more about your boat insurance options, call or stop by our office today!

What Actions Will Invalidate Your Boat Insurance?

Boat insurance helps to protect your watercraft and minimize financial complications. However, many things can invalidate your policy. So please learn more from us at Manteca Insurance & Financial Services Central to learn more about how policies can help your Central Valley, CA watercraft.

Things That May Invalidate Your Boating Insurance 

Many actions and activities can invalidate your boating insurance policy and cause serious financial complications. Just a few to consider include:

  • Unlicensed Repairs – If you perform upgrades or repairs to your boat without working with a licensed professional, there’s a good chance that you will invalidate or even void your insurance policy. This may even be as simple as adding a fish finder to your boat without proper help.
  • Driving While Drinking – Your boating insurance policy will not cover any damage or problems that occur if you were drinking alcohol (or taking other substances) while riding your boat. This problem is one of the most common because many people like having a few drinks while boating. 
  • Leasing Your Boat to Another – If you sub-lease your boat for use during the summer, you might find that your policy won’t cover any damage they cause. This problem is not the case if someone else is just driving your boat without leasing it.

These actions are things that you should avoid whenever driving any vehicle. However, they will impact the quality of your boating insurance and cost you serious money if you get caught. 

Find a Policy That Works for You 

Please reach out to us at Manteca Insurance & Financial Services Central to learn more about the boat insurance options available for your Central Valley, CA watercraft. Our team will take the time to help you understand your options and ensure that you are appropriately covered.

Why should I get a boat insurance plan in California?

Those that live in the Central Valley, CA area will find that the summer months can be long and warm. To ensure that you can enjoy the summer as much as possible in this part of California, getting a boat can be a great option and investment. If you are looking for a boat here, you also need to consider your insurance needs. Having a boat insurance plan should be a top priority for owners for a few reasons. 

Get Protection for Boat

A reason that you should pursue a boat insurance coverage policy is that it will give you protection for your boat. If you buy a boat, it will be an asset that you want to last for a very long time. If you do not have insurance, the risk of boat damage or theft could put your plans in jeopardy. Fortunately, you can mitigate this risk with boat insurance. 

Liability Protection

You may also want to get boat insurance for the liability insurance protection it provides. As a boat owner, there is always a risk that you could cause an accident that results in damages. Since you will need to cover these costs, getting insurance is a good option as it will include a component for liability insurance protection. 

If you would like to get a boat insurance plan and are in the Central Valley, CA area, it would be wise to call Manteca Insurance & Financial Services. When you speak with the team at Manteca Insurance & Financial Services, you can learn a lot about how well this insurance can protect you. The team here can help you assess your needs and give you the support you need to build a plan that provides proper risk coverage.