Boat Insurance During the Winter Months

When it comes to insuring your boat during the winter, many people think that they can tact it onto of their home or auto insurance. This is not the case. Different boat insurance policies are created for different types of watercrafts. There are many factors that go into a boat insurance policy, age of boat, speed/horsepower, where will it operate, value, are just to name a few. How you plan to use your boat can also determine the type of insurance coverage that you need. If you want your boat to be protected insurance is the way to protect it, no matter if you store it. Anything can happen with the weather, strong winds, flooding, theft and vandalism could occur. Keep in mind some storage facilities require insurance. During these cold winter months do not neglect your boat. Follow these simple steps in insuring your boat this winter!

Every insurance policy for watercrafts are different, meaning you can add extra coverage to fit your needs. Although most boating policies will cover anchoring equipment, trolling motors, seat cushions, etc. other essentials such as towing and medical payments can be included in your insurance policy. An Independent Agency, like Spivey Insurance Group can shop the boating insurance market for you so you don’t have to worry, it’s our job. Remember the key aspects of your boat and what you will be using it for.

Simply put, do not buy insurance for a yacht when you have a fishing boat. If you have any questions about insuring your boat for the winter, give the agents at Spivey Insurance Group a call at 704-821-4460. Share with us what you will be doing with your boat this summer on Facebook, Twitter, Pinterest, and Google Plus!

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