Boating Insurance: What You Need to Know
Is Your Boating Insurance Ready for the Water?
Still, having the right content is essential — indeed though boat insurance is n’t needed by state law, If you enjoy a boat in Michigan. numerous marinas and lenders may bear content, and a separate boat insurance policy can help cover your investment and means in case of accidents, theft, or damage. When searching for boat insurance Ann Arbor, MI, look for programs that offer liability, physical damage, and voluntary protections acclimatized to your requirements, icing you’re set for every adventure on the water.
Boat Insurance Discounts Offered Here
Own your home
Many insurers reward homeowners with lower rates, as homeownership is seen as a sign of stability and responsibility.
Install idle assisted steering
Adding safety features like idle assisted steering can reduce risk, making you eligible for discounts.
Insure multiple vessels
Covering more than one boat with the same provider often results in multi-boat discounts.
Complete a safety course certification
Finishing an approved boater safety course can earn you additional savings, as it shows you’re committed to safe boating practices
Are the original owner of your boat
Being the first owner may qualify you for special discounts, as original owners are often considered lower risk.
Pay your policy in full each year
Paying your premium annually instead of monthly can unlock full-pay discounts.
Types of CoveragE
Personal liability
Personal liability
Personal liability
This content protects you if you're fairly responsible for injury to someone differently or damage to their property while operating your boat. It covers costs similar as medical charges, legal freights, and agreements performing from accidents you beget.
Boat
Personal liability
Personal liability
This refers to content for physical damage to your boat itself, including the housing, sundeck, and permanently attached outfit. It helps pay for repairs or relief if your boat is damaged by events like collision, fire, theft, or vandalization.
Motor
Personal liability
The machine or motor is frequently ensured independently to insure protection against damage, mechanical failure, theft, or loss, whether it’s attached to the boat or stored independently.
Trailer
If you use a trailer to transport your boat, this content protects against damage or loss to the trailer due to accidents, theft, or other covered events while the caravan is on the road or in storehouse.
Medical & physical damage perils
Medical & physical damage perils
Medical payments cover injuries from boating accidents, while physical damage coverage protects your boat from collision, sinking, fire, theft, and vandalism
Why Choose Lequana Robinson Insurance Agency?
