What are the Benefits of Watercraft Insurance?
Do you love your boat? Of course you do! It is impossible not to have a fun time out on the water. That being said, you want to enjoy your day, spending time in the sunshine and smelling the sea air. Maybe you’ll be fishing. Perhaps you’ll be pulling someone tubing or skiing. Maybe you just want to spend the day with friends and family. Whatever your day out on the boat entails, you don’t want it ruined by worrying about the financial ramifications of something going wrong. That means you need California watercraft insurance before you ever leave the dock!
Consider the following:
#1 You don’t have to worry about extensive property damage. Do you have an extra $10,000 sitting around? That is the cost of the property damage from the average boating accident. Yikes! Your repairs could be significantly higher; that is only the average. A quality boat insurance policy will put your mind at ease and let you think only about having fun on the water.
#2 You’ll have coverage for physical injuries. When a boat collides with something, even a sandbar, at a great speed injuries tend to happen. Boat insurance includes coverage for treatment and hospitalization that results from a boating accident injury. The right policy will turn a catastrophic situation into a manageable inconvenience. That’s the whole point of having boat insurance, after all.
#3 You’ll be covered from uninsured boaters. Not everyone is as responsible as you! The damage and bills are still real when the at-fault party is not insured. Watercraft insurance can and should include uninsured boater coverage for this reason. No matter who damages your vessel, you’ll get the financial help you need.
#4 It covers towing and other assistance. If your boat breaks down, runs out of fuel, or gets stuck somewhere, calling for a tow is pretty expensive. The average cost to tow a boat can range from $125 to $250 for a 40-mile tow. However, depending on the towing company’s services and the distance traveled, this price can be much higher. A few factors that can influence the price include the size of the boat as well as the time of day. And if it’s a holiday like Memorial Day or Fourth of July, expect a major price hike. Talk about ruining the day! The good news is that with a good boat insurance policy, it’s covered!
#5 It offers total vessel replacement. Boats occasionally sink or catch on fire. Then you don’t have a boat anymore! Policies can be written to include total loss replacement so you can be back on the water in a short time.
Pronto Insurance is the company to reach out to! You can get a free online quote after answering just a few simple questions. Your California watercraft insurance will be extremely affordable and will protect you financially if an accident or any other damage should occur.