There are several compelling reasons to consider upgrading your boat insurance policy. The enhanced coverage will shield you from liability risks and enable you to repair or replace your boat if necessary.

Liability Risks in Boating

A boating accident could involve another boat or personal property. If your watercraft collides with a person or their property, you could be liable for injury or damage.

Increasing the amount of liability coverage in your policy could save you money in the long run. The augmented coverage could cater to medical bills, boat repairs, and other costs resulting from a boating accident.

Protection Against Theft and Vandalism

If your boat is left unattended for an extended period, the risk of theft and vandalism could be a concern. Protection against theft and vandalism will cover your boat and the items stored within it.

This kind of protection can significantly mitigate financial loss. It can be used to cover electronics, furniture, decor, and other valuable items you have invested in.

Concerns Related to Weather

A natural disaster could impact your boat’s performance. Extreme weather events could cause mechanical failures and extensive body damage. Boat insurance coverage that provides protection against natural disasters can be beneficial.

This type of protection reimburses boat owners for the repair and replacement costs they incur after a natural disaster.

Modifying Your Boat Insurance Policy

If you believe that additional boat insurance coverage will be beneficial, contact one of our agents at Nieroda Insurance Agency. An insurance agent servicing Saint Charles, MO will review your current boat insurance documents. After consulting with you, they will modify your boat insurance policy to reflect your chosen coverage types.