Why All Boaters Need Boat Insurance

Owning a boat is a great way to experience the freedom of being out on the water. However, boating accidents are always a possibility. As a boat owner, it’s essential to think about this risk and to be prepared for it. To protect yourself financially, you need to have boat insurance for your boat at all times. With this coverage, you will be ready for serious financial risks that could affect you after a boating accident. Boating accidents aren’t something that many boaters think much about, but they do occur regularly. Call us at DJ Kauffman Agency in Hutchinson, KS if you need boat insurance. 

Liability Coverage

When you get boat insurance, it’s important to get at least liability coverage, if not more types of coverage. Liability coverage will pay for the expenses incurred when you cause a boating accident and cause injuries or damage to someone else’s property. This coverage can pay for the medical bills and lost wages of those who become injured in a boat accident that you’re responsible for. It can also pay for the damage to their watercraft or other property, so you won’t have to pay for that out of pocket. Boaters have real risks, so it’s best to be protected against them. 

Other Boat Coverage

Your liability coverage won’t pay for damage done to your boat. That’s what comprehensive and collision coverage are for. These are different coverage types that pay for your damages. Collision covers the damage done in a boating accident and comprehensively covers risks you face when your boat isn’t on the water, such as during transport. 

Get Boat Insurance in Kansas

Getting and keeping boat insurance for as long as you own your boat is important. Call us at DJ Kauffman Agency in Hutchinson, KS to get started.