With spring finally here and summer just around the corner, it's easy for your thoughts to turn to all the great days you'll have out on your boat, enjoying the fine weather with friends and family. Before you head out for the fist time this year — or buy that first watercraft — make sure you have the right boat insurance coverage.
When you need boat insurance, trust the experts at Alternatives Insurance Agency to help you get the right policy for the right price. With three convenient locations in O'Fallon, Wentzville, and Troy, Missouri, Alternatives Insurance Agency is there whenever you need assistance with purchasing a policy.
Here are the most important points to consider when shopping for boat insurance:
- How Much Coverage Do You Need For Your Boat ? It's important to know your boat's current value as well as how much you would have to spend to replace it in the event of a total loss. Some boats can be covered for replacement cost while other can only be covered for actual cash value.
- Do You Need Special Coverage For Your Personal Property On Your Boat? With most boat insurance policies you will need to get extra coverage for your additional boat property such as depth finders, fishing equipment, skiing equipment and life jackets, just to name a few.
- Is Your Liability Coverage Sufficient? In addition to covering the boat itself, make sure your watercraft insurance has sufficient liability coverage. If someone else is hurt or their property is damaged from your boat, you need good coverage limits to properly cover thier injuries and/or property damage.
When you're ready to get the best possible boat insurance for your family, call Alternatives Insurance Agency. You can reach them in O'Fallon at (636) 978-7260, in Wentzville at (636) 327-9990, or in Troy at (636) 462-1778. You can also find out more on their informative website.