Summer is all about soaking up the sun, enjoying backyard barbecues, and cruising the open water on a boat. As with any vehicle, it's important to make sure your watercraft is adequately insured. Ebert Agency in Foley, AL, examines the benefits of boat insurance and why this added protection shouldn't be ignored.

Before taking your vessel on its maiden voyage, talk about adding a boating policy with your insurance agent. Though boating is an enjoyable activity, there are inherent dangers that come with any recreational vehicle. Boats—motorized or not—and personal watercrafts still require safety precautions and responsible drivers. Many states, including Alabama, require any drivers to attend a safety course before operating the boat.

Boat insurance is in place if your boat wrecks, causes damage to another vehicle, or injures someone while it's on the water. Choosing to forego boat insurance opens you up to personal liability. Even the safest drivers cannot control inclement weather conditions or the actions of other boaters. 

Neither your homeowners or auto policies protect your boat in the case of an aquatic incident. However, any accidents that occur when your boat isn't in the water are covered under different policies. If a collision happens while you are towing your boat, for instance, your auto policy should cover the cost. Additionally, damage incurred when you store the boat at your home would fall under your homeowners insurance. If you're concerned about your coverage limits, you might consider talking to your insurance company about the advantages of an umbrella policy, as well.

While owning a boat can lead to a lot of fun on the water, there is a certain level of responsibility involved. Ebert Agency is an insurance company with almost 90 years of experience helping safeguard its customers in Baldwin County. Their agents are qualified to answer all of your personal and commercial insurance questions. To obtain a boat insurance quote, please call (251) 943-2281 today, or visit them online for more information.