Boat owners know they need insurance to protect their boat and its passengers when it is out on the water. However, not all boat owners are aware of all the risks that come from a hurricane. Hurricanes not only can destroy boats that are docked, they can move a boat to destroy other property as well. It is important to make sure you have adequate coverage for the special risks caused by hurricanes.
When your boat is moored to a pier or dock and hurricane winds or a high tide comes up, suddenly the risk of damage can be very high. You do not have to only worry about your boat in such weather, you also have to worry about what happens if your boat breaks free and causes property damage when it is suddenly let loose in an out of control condition.
Boat owners are responsible for property damages caused when a boat breaks free from its moorings and careens out of control. This is why it is important to make sure you have adequate insurance coverage. If a boat comes free from its moorings and floats inland to crash through the window pane glass of a beautiful home, destroying the living room; the boat owner has liability for the damages.
It is always a good idea for boat owners to consider all of the risks about what might happen in a major storm and have as much protection with boat insurance as possible to cover all the contingencies.
The old adage "Better to be safe than sorry," applies to boat insurance as well. This means having adequate coverage for boat insurance considers all the possible things that can go wrong and covers as much as possible. This is the wise way to deal with this issue.
Contact your agent at Peter Laczko Insurance Inc. in Woodstock, GA for boat insurance right now, before hurricane season starts.
