Not everyone who owns a boat has some of the more common causes of boat insurance claims covered. A custom boat insurance policy from TriState covers both the owner and the property for the full range of known risks. So in the event of a loss or damage due to certain unfortunate events such as accident and theft, the owner is more often than not caught off guard, not knowing what to do next and it sure is going to be costly to deal with.
While your homeowner’s policy may provide common coverage, getting TriState boat insurance policies (in VA, MD, DC) will give you typical boat coverage along with some other specialized coverages. When purchasing a policy, it is always recommended to consult everything first with an independent insurance agent because there may be specialized coverages that you may not be familiar with which can be very helpful for your case.
The standard boat coverage includes body injury and property damage liability, medical compensation, as well as uninsured or under-insured boaters. But there are things that you may not think of prior to a claim such as emergency towing, wreckage removal, and other road-side assistance that can be a lot costly on your end if you do not have the coverage included. You can also have a specialized coverage on personal items or prized possessions that you bring with you in the boat such as expensive cameras and other electronic gadgets.
To find out more about your options on the available specialized coverages to be included in your custom boat insurance policy, contact TriState Business Insurance.