If you own a boat in Austin, TX, understanding precisely what your insurance covers can make all the difference should your boat sustain damage. However, with the different policy types and coverage limits, it can be challenging to remember what’s covered and what’s not. That’s why the team here at Southwest Insurance Center has put together this brief guide to the most common things you can likely expect your policy to cover.
Common Situations Covered
Your exact coverage depends, of course, upon the type of policy that you have on your boat. Generally speaking, different boat insurance policies are available that cover things such as:
- Damage and injuries to others and their property caused by you
- Damage caused by events outside of your control, like fires and severe weather
- Damage caused by collisions with other boats or objects
- The medical bills of you and your passengers
- The cost of replacing some personal property
Common Situations Not Covered
Though a variety of policy options cover just about every situation and event that could befall your boat, there are just as many things that nearly no policy will cover. This includes things like
- Normal wear and tear
- Damage caused by insects, animals, and mold
- Damage caused by marine life
- Damage caused by deterioration, improper use, lack of proper maintenance, and production or mechanical defects
- Damage caused by improper storage and transportation
Protect Your Boat Today Through Southwest Insurance Center
If you’re shopping for boat insurance in Austin, TX, trust Southwest Insurance Center! Our team will work side-by-side with you to find the right coverage for your needs by comparing plans from the top insurance companies in the country. For more information or to receive a quote, contact us today!
