The care and maintenance can be expensive when you own a boat. One of the most important things you can do is have a boat policy. There isn't a legal requirement to have this insurance, but it's just as important to have as your auto insurance. Having a boat policy for your own financial safety should be a priority. If you have a boat in Pennsylvania, protect yourself by calling us at Pearl Insurance Agency in Zelienople, PA to get started with a quote.
Your boat or watercraft is vulnerable to accidents like any other vehicle. A boating accident can be catastrophic and highly expensive. If you don't have boat insurance, you could owe quite a lot in repairs and medical bills, especially if you were the cause of the accident. If you're determined to be at fault for the accident, the cost of repairing or replacing the other watercraft can be high, as can the cost of the other party's medical expenses. Without boat insurance, you'll pay all these expenses out of your pocket.
Boat and watercraft insurance works very similarly to auto insurance. The coverage that you should have should at least include liability. This covers what you would owe to the other party in the event of an accident. You might also want to get collision coverage, which covers the damages to your watercraft in an accident. You can also add comprehensive coverage that protects against risks outside of the water. When the boat is on land, there are dangers it faces that can cost a lot in repairs.
If you own a boat in Pennsylvania, ensure you're covered against the enormous expenses you could face after an accident. To get started, call us at Pearl Insurance Agency in Zelienople, PA to learn more.
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