Boating is an everyday activity in Astoria, OR. Just like cars, boats are significant investments that need to be protected. While small boats like canoes, paddleboats, and kayaks may be covered under a home insurance policy, motor-powered boats require full coverage to protect them from damage. Linda Dugan Insurance recommends buying boat insurance even if you own a small non-motor-powered boat. Here are the three main reasons:
1. Boat insurance offers extensive coverage options
Accidents happen everywhere, and water is no exception. Every year, there are hundreds of boat accidents that lead to property damage and injuries amounting to thousands of dollars. Boat insurance provides extensive coverage that compensates for damage and injuries in case of an accident.
2. Protects what matters to you most
If you enjoy being in the waters, the last thing you want is to have your boat partner injured or your vessel damaged. You want to protect what you value most by purchasing high-quality boat insurance. Depending on the type of boat you are using, your insurance premiums could be higher or lower than for other boaters. But keep in mind that it is quality that matters.
3. Peace of mind
Boat insurance, like all other types of insurance policies, gives you peace of mind as you sail and go about what you love doing. You are not worried about boat accidents or losing your boat because it is well-protected.
While boat insurance may not be mandatory in Astoria, OR, boaters need to seriously consider purchasing boat insurance to help protect them from water perils. If you are a boat enthusiast looking to buy boat insurance, Linda Dugan Insurance agents can help you understand the requirements as well as what coverage suits you best. Feel free to contact us or visit our website for more information.