Looking for boat or watercraft insurance in the Prosper or Celina, TX areas?

Insurance is important for a variety of reasons. Boat Insurance covers boat owners during cases where the boat gets damaged or someone gets injured while they are on the boat. Boat insurance primarily covers boats that have motors, such as fishing boats and yachts. Here are several tips to help you find the best policy for your boat.

Research Different Policies Before Adding Accessories

While you may be tempted to add some accessories to your boat, do some research before you purchase anything. Many insurers do not cover boat accessories.

The Size Of The Boat Is Important

If you have a large boat, your policy will likely contain language that outlines the radius that you are allowed to use your boat in. If you travel outside of that radius, your policy may not cover you.

If You Have An Older Boat, Get An Inspection

If you are seeking coverage on an older boat, you should have your boat inspected in order to receive an accurate assessment of the boat’s condition and value. This will help insurance companies give you a better quote.

Pay Attention To The Weather

If you live in an area where natural disasters frequently occur, that will certainly impact your policy. You may have to purchase special coverage to protect your boat in the event of a natural disaster.

Will Other People Operate Your Boat

Research different policies before you let someone else operate your boat, especially if they are a minor. According to the state law in Texas, children under the age of 13 are restricted from operating a boat unless an adult is on board.

Read The Engine Language

Keep in mind that some insurance policies will not cover engine failure if it happens as a result of natural wear and tear.

Check For A Dormant Policy

During dormant periods, you’ll likely put your boat up. However, it’s important that you pay special attention to the length of the dormant policy. You may not be covered if you operate your boat during the dormant period.

Consult With Rasor Insurance

For more information about boat insurance, contact Rasor Insurance. Based out of Celina, TX, Rasor Insurance is committed to helping their clients regardless of their situation.