Remember to check your boat insurance policy now that April is finally here. Boat season is right around the corner. If you’re like the vast majority of boat owners across Massachusetts, you’re super excited. You’ve been dreaming about getting your boat back out on the water since you were forced to put it away for the season during the late fall. As you know, there are a great deal of things that you must do in order to prepare your vessel for the water. However, many boat owners forget to do something that’s incredibly important.

You need to check your boat insurance policy before putting it back in the water this year. Here’s why. First and foremost, you want to make sure that you have a boat insurance policy in place and ready to go. Assuming that you do have a policy in place and ready to go, you want to make sure that it has enough coverage to fully protect your best interests. You also want to make sure that you’re not paying for coverage that you don’t really need. The good news is that a ten- or fifteen-minute meeting with your local insurance agent will put you on the right track.

He or she will answer each and every one of your questions, and work on your behalf to ensure that you have the best boat insurance policy to cover your exact needs and financial situation. You may be asking yourself if you actually need boat insurance? The answer is a resounding yes. It may go a long way in covering the replacement cost of a motorboat, sailboat, or personal watercraft if it’s stolen. Insurance also covers damages if your boat is in an accident or damaged by lighting or fire.

It can also protect your liability if your boat causes an injury to someone else or even damages his or her property. A typical policy will cover parts of your boat including the machinery, permanently attached equipment, fittings, furnishings, and the hull. In addition, boat insurance goes a long way in protecting your boat or watercraft from particular risks. For example, property coverage will help pay to repair your vessel if it’s damaged in an accident or replace the boat if it’s stolen. The good news is that your boat is covered if it’s damaged or stolen on the water or dry land.

If you own and or operate a boat in the Commonwealth of Massachusetts then you need to ensure that you have the proper insurance coverage in place. We can help you get the best deal on all of your personal and or business insurance needs.  Please consult with a professional insurance agent that can answer your questions about all insurance related topics. It is important to fully understand exactly what you are buying when it comes to insurance policies.

If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business-related insurance needs now and in the future.