There are many reasons why a boat may be docked, whether it’s a houseboat, a vessel stored for the off-season, or a boat placed in dry dock for maintenance and repairs. The type of insurance needed for a docked boat depends on several factors. For instance, a fully-furnished houseboat requires coverage for its contents, similar to insuring the furniture in your home. If a boat is taken out of the water and placed in dry dock, it’s important to update your insurance to reflect the new storage location.
Another consideration is exposure to severe weather. For example, you may choose to pull your boat out of the water during hurricane season. In this case, you’ll need adequate insurance coverage for moving your boat to a safer location. The best approach is to consult with your agent at Walker and Associates Insurance Agencies Inc. in Fillmore, NY, to discuss the details and ensure your boat insurance is up to date.
Marine insurance is essential for your boat, even when it’s docked. Some marinas require specific types of coverage, so it’s important to check their rules and regulations to remain compliant. If you plan to transport your boat on a trailer, make sure your insurance covers the time it’s out of the water, on the road, and back in the water at all the locations you plan to use it.
Always inform your insurance agent at Walker and Associates Insurance Agencies Inc. in Fillmore, NY, about any significant changes to your boat. Contact us today to update your marine insurance policy and get a quote.
