While boat insurance isn’t typically legally required, many boat owners choose to have it for added protection. It can provide financial coverage if your boat is damaged in an accident or by marine life. But does it cover fuel delivery if you’re stranded on the water?
Standard Coverage
Insurance policies can vary depending on the provider. Most boat insurance policies include liability coverage for accidents, compensating the other party for bodily injury and property damage. Additional coverage may cover the cost of damage to your boat.
Some companies include fuel delivery as part of their standard insurance package. Others offer it as an add-on for an extra cost. It’s crucial to discuss your policy with a professional at Sprout Insurance to understand what it covers.
Additional Coverage
Many companies offer extra coverage options. This allows boat owners to tailor their coverage to their needs without paying for unnecessary services.
Comprehensive coverage, which includes protection against natural disasters, is an important consideration for boat owners. It’s crucial to understand what your policy covers and whether you need additional comprehensive coverage.
Many boat insurance policies include an emergency package, which typically includes:
- Fuel spill cleanup (boat owners are responsible for this)
- Fuel deliveries
- Jump starts
- On-water towing
- Potentially clean up towing
Wreckage cleanup and boat towing are commonly included in standard boat insurance policies.
Every boat insurance policy is unique and depends on the provider. Always ask an agent at Sprout Insurance about what’s covered in your boat insurance policy and any optional add-ons. Our experienced agents will ensure you understand your coverage. Contact us today to discuss the details. We’re currently serving the Nettleton, MS area.
