Since boat insurance isn’t required like auto insurance is, many boat owners don’t believe they need to get a policy. However, it’s highly important for you to have this type of insurance. It’s essential to have this financial protection even when your boat isn’t out on the water. There are many different types of coverage that you can get in your boat policy. It’s a good idea to know what they are so you can choose the type of coverage you need. Contact us at Focus Insurance in Eureka, MO, to get started on a boat policy.

Boat Accidents

Unfortunately, boating accidents are common. It can be financially devastating when a boat accident happens and you don’t have insurance. You could be liable for several costs that come from the accident. These include the medical bills of the people affected, their lost wages, their legal costs, and the costs of their personal items lost in the accident. Without insurance, most people would be in a severe financial situation if this were to happen. It’s best to have coverage for both bodily injury liability and property damage liability. These are vital for your financial protection.

Other Coverage

If you’ve invested a lot into your boat, you may also want collision coverage. This covers the damage to your boat when it’s in an accident. There are also dangers to boats that exist outside of the water. You can protect against these with comprehensive coverage. All of these coverage types work together to keep you well-protected against financial harm that can come from an accident or other incident with your boat.

Get Boat Insurance in Missouri!

When you need financial protection for yourself and your boat, we’re here to help. To get started with boat insurance, contact us at Focus Insurance in Eureka, MO.