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Why All Boaters Need Boat Insurance

Boat insurance is extremely important for anyone who owns a boat. Not only can it protect the investment you have in your boat, but it can also save you from financial devastation following a serious accident. Boating accidents occur frequently and can result in substantial expenses. You could face severe financial and legal repercussions without boat insurance to cover these costs. Hence, do not risk it – secure boat insurance instead. To get started, contact us at Land Home Insurance Services.

Boating Accidents

Boating accidents can be quite expensive. Medical bills for the injured can be exorbitant. There may also be lost wages, legal costs, etc. If you’re without boat insurance, you’re responsible for paying all these bills and more. You’ll also have to cover the damages to another person’s boat, the damage to your own boat, and any lost personal items from the other boats. Thus, maintaining boat coverage is crucial so that the policy can cover these costs.

Types of Coverage

Boat insurance is similar to auto insurance in terms of the types of coverage provided in the policy. For instance, there’s collision coverage, which pays for the damage to your boat and personal possessions in an accident. This coverage is essential in protecting your investment in the boat. Additionally, you should have liability coverage for property damage and bodily injury liability, which are critical in financially safeguarding yourself.

Acquire Boat Insurance

Boat insurance is necessary for your financial protection if you own a boat. If your boat isn’t covered, we can assist. Simply contact us at Land Home Insurance Services to learn more.

Watercraft Damage: What Next?

The weather started getting rough. Your tiny ship was tossed. If not for your insurance policy you’d suffer huge financial loss. Huge financial loss. Other things can happen to damage a boat such as fire, theft, vandalism, and more. That’s what the boat insurance is for. So, if the worst happens and your boat gets damaged, what do you do next? 

Step-By-Step Instructions

The first thing you do is report the damage to your insurance company immediately. Outline all the details to them so that they understand and can help you expeditiously resolve the claim. You may have to file a government report next. This is necessary if any illegal activity is at hand. Document all the damage. Your adjuster may want to see some pictures of the damage. Do not repair anything until you have confirmed that your insurer has been given all the necessary information. If the repair is time-sensitive, you may start working on it, but get a professional. You need an expert on marine-focus repair to work on your boat. Your adjuster may be able to recommend someone. 

How to Avoid Damage

You can prevent collision with a submerged object by using GPS or underwater radar. Always stay present and sober at the helm to prevent collision with other vessels. Anti-theft devices and motion detectors can keep your craft and equipment from being stolen. Keep abreast of weather conditions before taking the boat out. Keep a fire extinguisher on board as a safety precaution. Most boat fires are due to electrical mishaps so see to it that all electrical connections are tight as well as free of corrosion. Check your engine for fluid leaks also.

Land Home Insurance Services Is Here To Assist

If you need boat insurance, we at Land Home Insurance Services are ready to give you what you need. 

Does Boat Insurance Cover a Rip in My Sail?

If you own a sailboat, you know that maintenance and repairs can be expensive. Something always needs to be fixed or replaced, from the hull to the hardware. But what happens when you have an unexpected accident that damages your sail?

What is Covered by Boat Insurance? 

Boat insurance policies typically cover damage and theft of property, as well as liability for any accidents or injuries that may occur while on the water. Most boat insurance policies do not cover damage caused by wear and tear over time or extreme weather conditions—so if your sail becomes ripped due to these factors, you may not be covered.

Does Boat Insurance Cover a Rip in My Sail? 

In most cases, yes—boat insurance can cover a rip in your sail if it is caused by an unexpected event (like an accident). This means that if another boat collides with yours and causes your sail to rip, it should be covered under your policy. However, it likely won’t be covered if the rip is caused by normal wear-and-tear over time or extreme weather conditions (like high winds). It’s best to check with your insurer before filing a claim, just in case.  

Ensure You Have The Right Coverage

If you own a sailboat, ensure you have the right insurance coverage from Land Home Insurance Services. We also offer comprehensive coverage for motorboats and other recreational vehicles too! Our agents will work with you to find the right policy for your needs and budget so that you can protect yourself financially in case of an unexpected event like an accidental rip in your sail. 

Give Us A Call

Contact Land Home Insurance Services today for more information about how we can help protect your investment with comprehensive boat insurance coverage!

How boat owners can benefit from increased liability protection

Land Home Insurance Services can help you find the comprehensive boat policy that’s right for your needs. If you have questions about boat or any other type of insurance, give us a call today.

Is it time to increase the liability protection provided by your boat policy?

There is some risk that comes with owning and operating a boat. When injuries occur, there can be liability issues and substantial damages. Liability protection is very important for boat owners. If someone is injured while a passenger is on your boat, the liability risk can be extreme. Without adequate protection, the owners themselves could have to bear the brunt of the liability exposure. No one wants to have to deal with financial liability when they can be protected by a comprehensive policy.

Upgrading your current boat policy to one that provides comprehensive liability protection is a good idea. This enhanced protection can help protect you from losses to passengers and property in a situation where your vessel is involved in a covered event. Increased medical expense coverage along with increased collision coverage and property damage protection can also be included in an upgraded comprehensive policy. 

Knowing that you have increased liability protection means that you can enjoy your boat with the peace of mind that comes with having the right protection in place. Waiting until there is a situation where you need enhanced protection is not necessary. Upgrade your boat insurance today.

Contact our office today!

Owning a boat comes with some liability risks. Let the team at Land Home Insurance Services help you find the right boat insurance policy for your unique needs. Give our office a call today to find out more about the policy options that are available in our area. 

What does boat insurance cover?

Boat insurance works similar to motorcycle, car, and even RV insurance. It’s designed to protect you, your boat, and others. In other words, it’s designed to provide liability coverage as well as coverage that can be used to repair or replace your boat, property, or someone else’s boat or property. Fundamentally, it operates like car insurance and other insurance designed to cover vehicles and other moving machinery. Land Home Insurance Services of Concord, CA is here to educate consumers on the benefits of boat insurance. 

Boat Insurance Defined 

Boat insurance is designed to cover your personal watercraft. This may include a motorboat, sailboat, or any other type of watercraft. Boat coverage typically covers theft, damage from an accident, and even some natural disasters, like lightning and fire, that may cause damage to your watercraft. Also, boat insurance can also cover parts of your watercraft which may include the hull, fittings, permanently attached equipment, machinery, and furnishings. These coverage types fall under three, sometimes four, common categories when it comes to insurance for vehicles and other motor-powered machines.

  • Property Coverage
  • Liability Coverage
  • Medical Coverage
  • Uninsured Coverage

Boat property insurance coverage

This coverage is designed to pay for the repair or the replacement of your boat if it’s damaged.  This coverage provides protection for your boat on both land and water. Typically, this type of coverage allows you to choose between actual cash value coverage or agreed amount coverage.

Liability Coverage

Liability coverage is designed to cover damage caused by your boat to another person or their property. This type of coverage works like liability auto insurance or any type of liability insurance you may purchase. 

Medical Coverage

Medical coverage is designed to cover hospital bills and other medical bills you or your passengers may incur if you’re injured on your boat. X-rays, medicine, or medical bills would fall under this type of coverage. 

Uninsured Watercraft Coverage

It happens. It’s possible that you may sustain damage to your boat from an uninsured watercraft owner. Uninsured watercraft insurance covers expenses associated with damage to your boat from uninsured watercraft owners. However, like most insurance, there are a wide variety of different coverage options available to you. Our team at Land Home Insurance Services is happy to answer questions about coverage options to help you find the best coverage for your unique situation. 

Boat Insurance Coverage Choices

If you need boat insurance, we at Land Home Insurance Services near Concord, CA can help you understand your options and ensure you are satisfied with your results.

Agreed Value and Actual Cash Value Policies 

Boat insurance breaks down into two different types, including agreed and actual value policies. They are essentially the same except for how they handle your boat’s value deprecation. The agreed-upon policy will cover your boat based on its value at the time of the policy. This option works best if you have extra money for a policy because your value will not depreciate in the eyes of the policy. 

The actual value is the opposite: you pay less money but lose value on your boat as it ages. This option works best for smaller or low-value ships that wouldn’t cost much to replace. It’s also good if your ship is not likely to fail or go bad on you any time soon. Otherwise, agreed value policies are often the best option, particularly for regular boaters or even professionals. 

Individual Policy Types 

  • Personal Watercraft – Designed for small boats used for fishing or recreation. 
  • Yacht – Boats bigger than 27 feet are called yachts and require different policies. 
  • Sailboat and Dinghy – These policies cover boats that fall under these headings. 
  • PWC Rental – Rental insurance helps protect you if you rent your boat to others. 
  • Boat Clubs – If you belong to a boat club, their policy may protect you. 
  • Professional Insurance – If you fish or charter your boat, you need professional insurance. 

Consider a Policy With Us 

Do you need a boat policy that suits your needs? Then please, call us at Land Home Insurance Services to learn more. We provide policies for many boasters in and around Concord, CA.

Is Boat Insurance Required By Law In California?

Auto insurance is pretty much the only insurance you’ll ever be required by law to carry in Concord, CA, or anywhere else in the state. When we head out in the car, we pose a risk to other drivers, and it’s only fair that we should be able to cover that risk.

You’re not required by law to insure your home, your business, or your boat.

But, while you may not be required by law to carry boat insurance, it can be challenging to own a boat without buying insurance. Even when we take away the simple fact that boats are expensive and foolish to leave uninsured, you may be required by your lender to insure your boat if you’re still making payments on it. Even the very successful among us might not be able to buy a brand new speedboat in a single cash payment.

Marina owners can also require that you carry insurance. You don’t pose much danger to other boaters out on the ocean, there’s plenty of space out there, and it’s hard to run into another boat. But when you pull it in to the docks, that’s another story, and a careless boater can do thousands of dollars of damage simply by pulling into the marina a little too quickly.

So while you are not required by law to insure your boat, you may be required to insure your boat, nonetheless.

If you have any questions about boat insurance, or if you’re looking to get covered in Concord, CA, get in touch with Land Home Insurance Services. At Land Home Insurance Services, you’re going to get a good deal on a great boat insurance policy.

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