Summer is almost here, which means it’s time to start thinking about how to take advantage of the weather. For many, nothing says “summer” like spending time on the water, and there’s no better way to do it than in your very own boat. However, if you’ve just recently purchased a boat or let your boat insurance lapse over the winter, it's time to find the right policy. The experienced team at Custis Insurance Service in Amherst, OH, wants to help. They answer a few of the most common questions about boat coverage to help customers get the best coverage for their needs.

4 Frequently Asked Questions About Boat Insurance

1. Do I Need Coverage?

Not all boats or watercraft need insurance. Canoes and kayaks, for example, are ready to slip it into the water the moment the weather is pleasant. However, any boat with an engine, even a small outboard motor, will need an insurance policy before an excursion. Boating without insurance could result in an expensive ticket.

2. What Does The Insurance Cover?

Each policy is different, based on the customer's budget and needs. However, every plan should include property damage liability and bodily injury liability. If you want to protect your boat completely, purchase additional comprehensive and collision damage insurance.

3. How Much Insurance Should I Buy?

The recommended amount of coverage will depend on the type of craft you own, usage, age, and value. An insurance agent will help determine the proper amount of coverage. Keep in mind that the marina where you store your vessel may require minimum coverage limits exceeding those the state demands.

4. Do I Need Additional Coverage When The Boat Is Out of The Water?

Boat insurance only covers a craft when it’s in the water. However, car insurance will cover any damage sustained when towing a watercraft to and from the lake. When storing the vessel in your yard or garage, homeowner’s insurance will cover losses in many situations.

Don’t put off getting boat insurance until summer is in full swing. Contact Custis Insurance Service and let their dedicated agents find the right coverage for your craft. With more than 60 years of experience, they’re proud to protect the things you love most. Learn more about their services online and call (440) 949-7172 to schedule a consultation today.