Boat insurance in Eureka, MO is designed to help cover damages when something happens, such as an accident or theft. However, your homeowners’ policy may also provide coverage for certain damages. It’s important to learn how your boat or watercraft policy works before something happens. Here are a few things you need to know.
Homeowners Policy
Your home insurance policy typically covers damage that occurs on your property. However, the policy may have specific limits or exclusions regarding watercraft, automobiles, or other vehicles. It’s crucial to speak with your insurance company to learn what your coverage limits are.
Watercraft Policies
Most boat or watercraft policies will cover damage if the watercraft is parked on your property, but it depends on your level of coverage. Watercraft policies have different levels of coverage, just like auto policies.
Liability coverage will only cover damage to another person’s property if you’re at fault for an accident. It won’t cover theft, vandalism, or damage from natural disasters. It’s important to consider the current risks to your boat, such as theft or hail damage, and speak with a knowledgeable agent at Focus Insurance to ensure you have enough coverage.
Ask about coverage for common events in Eureka, such as:
- Fuel spills
- Wreckage cleanup
- Liability coverage
- Medical bills
- Emergency assistance
- Personal property
- Tornado damage
With Eureka, MO being in the middle of the tornado belt, it’s essential to ask if this and wind damage are included in the coverage. Be sure to ask if there are any exclusions you need to know about.
We understand the importance of ensuring your watercraft is covered. Agents here at Focus Insurance can help you find the right boat or watercraft policy to meet your needs. Contact us today. We’re serving the Eureka, MO area.
