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Boats are a great source of entertainment and relaxation. Owning a vessel allows you the freedom to navigate the open waters whenever you wish to spend time with friends and family or indulge in a peaceful day alone. However, the only way to fully enjoy all the benefits of ownership is if you have the proper boat insurance protection to go with it. When considering coverage, the knowledgeable insurance agents at Ebert Agency advise keeping in mind that policies are not only designed to preserve your recreational vehicle investment but also your safety and the well-being of your financial future. The Foley, AL-based insurance company stresses the importance of having coverage to protect yourself and your passengers.

insuranceLiability is one an essential part of a boat insurance policy. If you cause an accident while operating your vessel, this will help to cover the expenses of injuries and property damages suffered by the other party. There are often high costs associated with medical bills and boat repairs. Without liability coverage, there’s a good chance you would be responsible for paying this out of pocket. If you find yourself facing a lawsuit because of the incident, liability will also pay for your legal fees.

Another type of insurance coverage to strongly consider purchasing is medical payments. This will cover your expenses and those of your passengers should anyone become injured in a boating incident. It will go into effect regardless of who was at fault in the accident, ensuring you aren’t responsible for paying out of pocket and everyone can get the medical care and treatment they need to quickly recover. Getting medical coverage will be especially vital if you don’t have health insurance or you get into a collision with another boater who doesn’t have liability coverage to pay for your injuries.

Purchasing adequate boat insurance will allow you to have greater peace of mind while you’re out on the water. Ebert Agency is a family-owned business with over eight decades of experience providing insurance to Baldwin County residents. Contact them at (251) 943-2281, or visit them online to request a quote. 

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