getting the right boat insurance

Ask These Questions Before Getting Boat Insurance

Get the right coverage for your boat by asking these questions.

Your boat represents a significant financial investment. This is why it’s so important to protect it with the right boat insurance in Plano, Texas. However, how do you determine your individual insurance needs? Asking these questions can help you get the right personal watercraft insurance for your needs.

  • Who will be driving the boat?

Just like with auto insurance, your insurer will want to know who will be operating your boat before writing you a policy. They will then look into the history of the people who are listed. If you are an experienced boat operator with no history of prior claims, then you might be entitled to discounts on your policy.

  • When will the boat be in use?

If you own a larger boat, the insurance company may 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, depending on where you live. If you plan to use your boat during this imposed lay-up period, you may not have the insurance coverage that you need. Make sure that you know the anticipated lay-up period for the policies you are considering to help you select the one that best fits your needs.

  • Where will you be sailing?

Finally, you need to think about where you plan on traveling in your boat. As most policies have limits on how far from the coast a boat can travel, you need to make sure that the policies you are considering are offering you the flexibility you want.

Asking these questions can help you ensure that you are getting the right personal watercraft insurance for your needs.  Do you have more questions regarding your boat insurance in Plano, Texas?  Then direct them towards the knowledgeable team at Tri-Star Insurance/HUB International.  Our experienced professionals are ready to assist you with all your coverage needs today.