Category: Boat/Watercraft Insurance

Boat owners know the thrill of getting out on the water. However, there are many things that can happen on the water that aren’t so thrilling. Many incidents can cause expensive damage to both property and people. It’s important to have boat insurance for your own financial protection in case of a damaging incident. If you own a boat that isn’t insured yet, call us at Northeast Insurance Advisors LLC in Easton, PA. 

Boating Accidents

Just like car accidents, boating accidents are frequent. They can cause an enormous amount of damage that costs a lot to take care of. The best way to protect yourself in case of an accident is to have a boat insurance policy. If your boat collides with another watercraft of any kind, it can cause very expensive damage to your craft as well as the other party’s boat. If your accident is your fault, you’ll owe for the damage to both crafts as well as any injuries that occur. This can be extremely expensive and difficult to afford. That’s where boat insurance comes in. 

Boating Coverages

These policies include many different types of coverage. One of them is bodily injury liability, which pays for the other party’s injuries. Since these can be so high, it’s important to have this coverage. You also need property damage liability, which pays for the damage to the other watercraft or any other property that gets damaged by your boat. You need this to pay for what can be highly costly repairs. 

Get Boat Insurance 

For your own financial protection, you need boat insurance. To get started, contact us today at Northeast Insurance Advisors LLC in Easton, PA, and find out more. 

For many people in the Easton, PA area, owning a boat can be a great idea. If you do own a boat when in this part of the state, it will provide you with the ability to enjoy all that the area has to offer, including local lakes and waterways. If you are going to purchase a boat here, picking the right insurance is important. As you are looking for coverage, there are mistakes that you should avoid when building a policy.  

Not Choosing the Right Deductible Level

One mistake to avoid when you are looking for boat insurance is not choosing the right deductible level. The deductible is the amount of money that you will need to spend out of pocket before the insurance company starts providing support. Generally, the higher your deductible is, the lower your premium will be. However, it does require you to spend more when you file a claim. Finding the right balance for the deductible level is important. 

Not Considering Requirements

It is important that you assess your personal insurance requirements when taking out a new boat policy. Depending on your situation, you could be required to carry a full comprehensive plan, which is a standard requirement of boat insurance providers. Depending on where you intend to use the boat, you may also need to have liability coverage. It is important that you have the coverage that you need. 

Northeast Insurance Advisors LLC Is Here To Help

If you are going to buy a boat in the Easton, PA area, you need to make sure that you are properly insured. Our professionals with Northeast Insurance Advisors LLC will help you select a plan that is right for your situation. When you do call us here, we can offer any guidance that you need to build a new plan. This can ensure you remain appropriately covered at all times. 

Boating can be a fun and relaxing way to spend your time, but it’s important to be aware of the dangers that come with it. One of those dangers is the potential for damage to your boat, which is why you need to have boat insurance. Consult with Northeast Insurance Advisors LLC in Easton, PA for vital insurance coverage. We recommend you get boat insurance so that you can protect your investment and enjoy your time on the water. 

Why Do You Need Boat Insurance?

Boat insurance reimburses you monetarily if your boat is lost or damaged. In addition, it can also safeguard you if somebody gets hurt while aboard your vessel. Although boat insurance isn’t legally required, it’s still a prudent idea to have in case of an unforeseen accident.

What to Consider When Choosing Boat Insurance

There are a few things to consider when deciding how much coverage you need, such as the value of your boat and the types of activities you’ll be using it for. You should also consider whether or not you want comprehensive or collision coverage, which will help pay for repairs if your boat is damaged in an accident. 

Once you’ve decided how much coverage you need, it’s time to start shopping around for policies. There are a few things to keep in mind when comparing policies, such as deductibles, limits, and exclusions. You should also make sure that the policy covers any special equipment that you have on your boat, like fishing gear or a pontoon hard top. 

Why Choose Us

Northeast Insurance Advisors LLC in Easton, PA is a great place to start when shopping for boat insurance. They offer a variety of coverage options so that you can find the perfect policy for your needs. They also have a team of experts who can help you understand the ins and outs of boat insurance so that you can make the best decision for your situation. 

Contact Us Today

Getting boat insurance doesn’t have to be difficult—just start with Northeast Insurance Advisors LLC. We offer a variety of coverage options so that you can find the perfect policy for your needs. We also have a team of experts who can help you understand the ins and outs of boat insurance so that you can make the best decision for your situation.

There is nothing that can quite compare to being out on the open water in your boat during the summertime. The cool breeze in your hair with the warm sun beating down on you. It is a great way to make memories with your loved ones. Those memories are ones that you will never forget. However, it is imperative that you have the proper boat insurance to ensure that you and your vessel are protected.

Now, boat insurance is not required in all states, but this doesn’t mean that it shouldn’t be something you seriously consider. And when you purchase boat insurance in Easton, PA, you should also consider some add-ons to the basic boat insurance coverage. Northeast Insurance Advisors LLC shares a few boat insurance add-ons to consider.

Uninsured Boater Coverage

This type of coverage protects you financially when your boat is damaged by another boater who does not have boat insurance.

Boat Trailer Coverage

This type of coverage protects you financially when your boat trailer is damaged, vandalized, or stolen. It may assist in paying for any repairs, replacement, or subsequent costs.

Towing and Roadside Assistance Coverage

This type of coverage reimburses you for service requests and/or tows up to the limit set forth by your boat insurance policy.

Hurricane Haul-Out Coverage

This type of coverage may pay for a pre-determined portion of the cost to have your watercraft hauled and secured prior to a hurricane coming into the area.

Environmental Coverage

This type of coverage may help pay for the costs of cleanup as a result of environmental issues like an accidental fuel or oil spill.

If you would like to learn more about boat insurance in general or potential add-ons that you may be able to benefit from, contact an insurance company like Northeast Insurance Advisors LLC that serves the Easton, PA area.