If you think your boat is covered by your homeowners insurance or your auto insurance, think again. While there are times this may be true, only boat insurance will cover your boat when it's being used. Action Auto Insurance Agency of New London, CT, is dedicated to making sure you get the boat insurance coverage you need at a great rate.

Here are three reasons why you definitely need boat insurance: 

• Protection For You & Your Passengers: One of the most important reasons to get boat insurance is to protect yourself if someone is injured while they’re on your boat. Fun activities like water skiing, jet skiing, and deep sea fishing all come with some risk, and only boat insurance will cover the medical costs incurred in an accident.
• Protection For Others: Boat insurance also provides coverage in case your boat happens to cause damage to a dock, another boat, or some other piece of property while it is in use. Damage done to your boat will be covered as well, so you can rest easy knowing you’ll be able to afford the consequences if you get into a scrape.
• Protection During Unforeseen Disasters: When it comes to boat insurance, most policies are considered "all risk," which means your boat will be covered in case of fire, theft, sinking, or lightning. These events are unlikely, but being covered for all possibilities keeps your finances secure.

There are many types of policies that exist to protect your watercraft, so contact Action Auto Insurance Agency to make sure you have the right vehicle insurance coverage for your yacht, jet ski, powerboat, or sailboat. Call their New London office at (860) 444-7224 or visit their website to find out more about how they will get the right insurance policy to protect you and your boat this summer.