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What Does Boat Insurance Cover?

South Carolina has an beautiful coast and an abundance of waterways. Its residents enjoy water-skiing, fishing and just cruising the day away in their boats! You want to make sure your watercraft and passengers are protected from the unique risks encountered while on the water. Did you know that risks, such as fire or theft, may happen whether or not your boat is in use? If you do not currently have boat insurance coverage, contact Insurance Solutions for a free quote.

Injury Liability

If you are deemed at fault for a boating accident that leads to another individual’s injuries, there is a risk of being sued for injury-related damages. You can potentially shield yourself from these costs by having boat insurance. In addition, a policy can offer coverage to reduce legal expenses that you could incur in these situations.

Property Damage Liability

From mechanical failure to bad weather, there are a number of reasons you could wind up in a boating accident. In the event that a collision is your fault, you are likely to be held liable for any related damages. A boat insurance policy will cover the repair or replacement of any property that was damaged as a result of the accident up to the amount specified in the policy.

Uninsured Boat Operators

If you are involved in an accident on the water caused by someone else, they might have the proper insurance coverage to cover any damages and they might not. If this occurs, it can be beneficial to have your own policy that offers protection for damages that are sustained during a collision with other watercraft operators who are uninsured.

If you would like to learn more about what boat insurance can cover, contact us at Insurance Solutions. We will work with you to find the right insurance policy coverages that best suits your individual needs and risks.

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