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31 May, 2018 0
find the right insurance for your boat

Questions to Ask Before Getting Boat Insurance

Ask these questions as you try to get your boat covered.

Because your boat likely represents a significant financial investment, it’s important that you have the right boat insurance in Los Angeles, California to offer the protection you need.  However, how do you make sure you are getting the coverage that’s right for you?  Asking these questions can help you select the best boat insurance for you.

Who will be driving the boat?

As with your auto insurance, it’s important to know who will be operating your boat.  Insurers will want to know who will be driving your boat before they write you a policy because they will want to look into the history of each of these listed drivers.  Insurers will likely check both the driving history and the boat operating history of each listed individual.  If all listed persons are experienced boat operators with no history of prior claims, then you might get access to discounts on your policy.

When will the boat be in use?

If you own a larger boat, then insurance companies might require a “lay-up” period.  This means that your insurer will plan for a period when your boat will be out of service.  Generally, the lay-up period is between October and May.  If you plan on using your boat during this imposed lay-up period, then you may not have the insurance coverage that you need.  Make sure that you know the lay-up period for the policies you are considering to ensure that you are choosing the one that best fits your needs.

Where will you be travelling?

Finally, most boat policies have limits on how far from the coast a boat can travel and still be covered.  If you are planning to sail to far-away locations or simply take your boat out into the open sea, then it’s important to make sure that the policy you select is offering you the flexibility you want.

These are some of the questions you should ask to determine your boat insurance needs.  Interested in finding the right boat insurance in Los Angeles, California?  Then contact the experts at Fuller Insurance Agency in Southern California.  Our dedicated team is ready to get you the coverage that you need today.

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