Watercraft Insurance to fit your budget and needs
Low-Cost Watercraft Insurance in Decatur, GA
What Is Decatur Boat Insurance?
Think of boat insurance in Decatur, GA like car insurance: it’s a policy that covers your vehicle – in this case, your boat, motor, trailer, and whatever personal items you keep inside. It also offers liability protection should someone be injured on or by your boat, protecting you against lawsuits and paying out medical costs. While many people think their boat is covered under their homeowner’s insurance policy, it is not. Don’t make this mistake.
Family on Boat
The wind in your hair, the sun on your face, and the open water in front of you. Sound appealing? Then you might want to join the ranks of boat owners all over the country. But before you cut through that clear blue, there are some things to keep in mind. Whether you’re buying a fishing boat, cabin cruiser, pontoon or speed boat, different components like cost, horsepower, weight capacity or onboard storage may prove to be more important to you than others.
What Does Boat Insurance Cover?
The specifics will vary by policy, and you can always take out additional riders for more specific coverage. However, the average policy will include:
Additional Boat Insurance Coverage Options
As with any insurance policy, you need your watercraft insurance in Decatur, GA to work for you. You may find that an “out-of-the-box” policy is good, but not quite tailored to your needs. Additional add-ons can help you get the perfect policy for your unique case. Options include:
Do I Really Need Boat Insurance?
Stop for a moment and ask yourself, “Why did I want to purchase a boat in the first place?” While you might have a business-related reason, if you are like most of us, it’s pretty simple: you wanted a watercraft so you could relax and have fun.
But how can you truly relax and unwind if you know you aren’t fully protected?
Even a cheap boat insurance policy offers the protection you need to let the worries go while enjoying your watercraft. As fun as rivers, lakes, and oceans are, they are also dangerous. Having the right policy lets you focus a little less on the risks and a little more on living in the moment.
Let Focus Insurance Help You
Not all insurance companies or brokers understand watercraft insurance policies, but at Focus Insurance Group, we do. We have access to all the policies and add-ons you need, ensuring every boat own can get coverage tailored to them. From fishing boats to yachts, we can get you covered.
Let us give you the peace of mind that makes boating all it can be. Contact our agency today to get a boat insurance quote. We offer no-obligation reviews and estimates.
FAQs About Watercraft Insurance in Decatur, GA
Does a boat insurance cover hitting a rock?
Yes, most boat insurance policies cover damage caused by hitting a rock as long as you have the coverage that includes collision. To know what your policy covers, review your coverage documents or contact us at (404) 633-3333 .
Does boat insurance cover a boat falling off the trailer?
Yes, most boat insurance policies will cover damage caused by your boat falling off of its trailer. If you don’t know what your policy covers, check your coverage papers or contact us at (404) 633-3333.
How much should I insure my boat for?
The amount you should insure your boat for depends on many factors, including the value of your boat, the type of coverage you want, and the deductible you’re comfortable with. To get an accurate quote, you may contact us at (404) 633-3333. We will be happy to help you find the coverage that’s right for you.
Can you put insurance on a boat that is not in your name?
Yes, you can insure a boat that is not in your name. To do so, you will need to provide the insurance company with the boat’s registration information. You will also need to provide the name and contact information of the boat’s owner and any other drivers operating the vessel.
Do I need insurance if my boat isn't expensive?
Yes, you should insure your boat even if it isn’t expensive. The cost of repairs or replacements after an accident can quickly add up, and you may be held responsible for damages even if you didn’t cause the accident. In addition, boat insurance can help protect you from financial losses in the event of an accident and may even be required by your lender if you have a boat loan.