In some ways, boat insurance is like auto insurance. You should have a policy that will protect yourself from liability if you are involved in an accident, and you also want to protect your property and passengers while you are out on the water in Ohio or other states. Boat insurance is different, though, because most people can't use their recreational boats year-round, so their coverage needs are often different. At The Vaughan Agency in Pomeroy, OH, we help every customer tailor their boat insurance policy to suit their individual needs.
While the state of Ohio doesn't have laws requiring you to carry boat insurance, it is never a good idea not to protect yourself. Just like with an automobile accident, you are responsible for any damage or injuries if you are at fault in an accident. Without insurance, you would have to pay that money out of pocket.
No matter how careful you are, accidents can happen. If you or your passengers are injured, you can have the medical payments paid through your boat insurance, no matter who was at fault.
If you still owe money on your boat, the lender probably requires you to carry full coverage. Even if your boat is paid off, it's always good to protect it in case of damage or theft.
You probably carry valuables with you while out on the water, such as cell phones, fishing gear, or sporting equipment. There are policies available to protect your valuables from accidents and incidents on the water. They can replace or repair these items should they become lost or damaged.
Make sure that your policy will protect you while you are on the road, bringing your boat to the water. You can also cover other equipment like tarps or anchors.
You can take the worry out of boating with a reliable insurance policy. To make sure you get all the special protections you need, including uninsured boater, emergency assistance, and others, call The Vaughan Agency today in Pomeroy, OH. Our agents can work with you to build a policy that meets your needs and fits your lifestyle.