Boat insurance in Spokane, WA, provides various levels of coverage. The type of coverage you have and the benefits you can enjoy depend on the boat/watercraft policy you have with your insurance provider.
Liability
Many insurance companies offer liability insurance. This covers bodily injury or property damage if you’re responsible for an accident. It usually does not cover damage to your vessel. Most marinas require this level of coverage to park your boat.
Additional Coverage
There are also additional coverage options, just like with auto insurance. You can get coverage for personal property, your personal bodily injury, injuries to your passengers, and damage from things beyond your control, such as tornadoes. Ask an agent at Capital Insurance about comprehensive and collision coverage for your boat/watercraft.
Add-Ons
Companies let you purchase these alongside your main policy. Some companies include fuel delivery with any level of coverage, but you should ask your agent. You can also opt for things like wreckage cleanup or fuel spill cleanup.
Many offer towing in case you get stranded on the water for any reason, including a mechanical failure. It’s like roadside assistance, but for your boat. Always ask about these options before taking your boat on the water to ensure you don’t become stranded or stuck with the cost of wreckage cleanup, which can be thousands of dollars. Failure to clean up a fuel spill can result in fines from the Environmental Protection Agency.
Here at Capital Insurance, we know that you need to know all your options to ensure you’re covered before you take the family for a ride on your new boat. Our agents will work with you to get you the policy you need to have peace of mind. Contact us. We’re currently serving the Spokane, WA, area.
