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.