As the warm, spring weather finally replaces the frigid winter season, boat owners everywhere are getting ready to head out to their local waterways. Before you undock, having the proper boat insurance is critical in case an accident occurs. The Insurance Exchange in Kalispell, MT, specializes in providing affordable insurance and comprehensive coverage.

It’s important to know what boat insurance actually covers. For the most part, the boat, machinery, fittings, and auxiliary equipment are protected from hazards such as collision, theft, fire, lightning, vandalism and more. Some of this equipment includes anchors, boat trailers, and outboard motors, but you can also ask the professional agents at The Insurance Exchange about coverage of losses on land.

Boat insurance may also provide liability coverage to pay for damages to another person’s property, as well as any medical bills resulting from an accident. Some policies even offer guest liability coverage to pay the legal bills incurred by someone who operated your boat with your permission.

While some home insurance policies may offer limited protection for boats, it’s imperative to know this well before you take your vessel out on the water. The knowledgeable specialists at The Insurance Exchange can fill you in on things such as whether your existing homeowner’s insurance plan extends to canoes, small sailboats, or power boats with less than 25 horsepower.

The cost of boat insurance varies, depending on the extent of coverage. Your premiums are typically determined by the size and type of boat and its monetary value. The Insurance Exchange will gladly provide you with free insurance quotes to fit your budget and needs.

As the premier insurance agency in Northern Montana, The Insurance Exchange is your reliable source for boat insurance policies, filing hassle-free claims, and customer service, which puts you and your family first. For a free estimate on boat insurance, call The Insurance Exchange today at (406) 756-2500. Visit the website to learn more about the wide range of available insurance plans.