Boating is good, clean fun for the whole family. However, it comes with certain risks, which is why the professionals at Bobby Brown Insurance Agency urge clients in Milledgeville, GA, to purchase boat insurance if they own a water craft, any size or style. The following information can help you learn more about protecting both people and property when out on the water.

FAQ About Boat Insurance

What Is Covered by Boat Insurance?

Along with the boat itself, coverage can also extend to the equipment used on the water. Liability coverage is another component of boat policies, which protects you from injuries or property damage incurred by a third party.

Should I Cancel My Policy During the Offseason?

Even if your boat is stored during the offseason, having coverage in place is recommended. Insurance also covers fire and theft, which can still occur when your boat is on dry land or placed in a storage unit.

Are There Different Policies for Large & Small Boats?

Any boats that are larger than 26 feet tend to be categorized as yachts and as a result, would need to be covered by a separate insurance policy. Yacht insurance typically includes hull coverage and protection, as well as indemnity insurance, which is a type of liability coverage.

How Are Premiums Calculated?

The size and type of the boat, as well as where it will be primarily used, are all factors that an insurance agent will consider when drafting a policy. You might also want to include other types of coverage, such as wreck removal, which can increase the premium.

Whether you need boat insurance or coverage for your home or automobile, Bobby Brown Insurance Agency can help you find the right policy to protect everything that’s important in your life. With over 52 years of experience, their team is committed to providing Baldwin County residents with an array of policies. Call (478) 453-9496 today to speak with an agent about receiving a quote, or visit their website to learn more about their products.