The Facts About Georgia Boat Insurance

Having a boat can be very exciting. Although having fun may be your first priority, there are certain rules of the water that you must follow and be prepared for. A boat is a vehicle, and you need to have an adequate insurance policy to cover your boat and others on the water. Boat insurance is a specialized niche, and having an independent agency to walk you through requirements and restrictions is important.

How does boat insurance differ?

You may think your homeowner’s policy will cover your boat if it is stored on your property. Although simple coverage does exist in most homeowners policies, it is usually too low to cover any serious issues on your boat that may result from damage. When getting a policy, the size of your boat also matters, and not having an adequate policy may place you in a situation that you don’t want to be in.

Insurance coverage differs by state, so knowing the laws in Atlanta, Georgia, that are specific to your boat is crucial. Typical coverage includes:

• Collision
• Accidents
• Vandalism
• Sinking

This may also include physical damage to the outer structure and on-board equipment. Your trailer may or may not be covered, so it is good to get the advice and consultation from a trusted agency that can give you the facts and suggest a policy that will deliver the utmost protection while staying within your budget. Boating accidents happen every day, and you don’t want to be involved in a situation and not have insurance. Protect your boat and your loved ones today!

To get the right boat insurance in Atlanta, Georgia, contact Peter Laczko Insurance, the independent insurance agency that gets things done!