Koverage Insurance Group Boat/Watercraft Insurance
Enfield CT and the surrounding areas have a thriving boating and watercraft community. However, before you hit the King’s Island Boat Launch, you need to make sure you’re properly covered. Boat and watercraft insurance in Connecticut isn’t something you should skip. First, speak to the Koverage Insurance Group about the type of coverage you need before you hit the water.
Why You Need Boat or Watercraft Insurance
Connecticut does not require you to have liability insurance to own or operate a boat. Unfortunately, many people think that means they can and should go out on the water with no coverage. Consider all the risks involved in boating or water activities.
Those risks exist not just for you but also for everyone sharing the water with you. If your boat takes damage due to no fault of your own, you will have to pay for it yourself and possibly lose the ability to use your boat for a quite a while.
If you inadvertently cause an accident or injury, the injured party can and likely will sue you. Can you afford a lawsuit from someone with steep medical bills, damage to their craft, and maybe even other damages like lost wages?
Insurance exists to mitigate those types of issues and more. Just as you cover your car against potential accidents and all that comes with them, you should cover your boat or watercraft in Connecticut.
What Boat or Watercraft Insurance Can Cover
Your boat insurance needs are unique to you, your craft, and what you decide you want to protect. However, general boat and watercraft insurance policies will start with liability coverage. If you’re at fault, this part of your policy will cover property damage and injuries to someone.
With liability, you will also have many of the same options available to car owners. For example, boat insurance can include:
- Collision and comprehensive coverage
- Uninsured boater coverage
- Water towing coverage
- Medical coverage
If you’re in Enfield CT or close by it, you should absolutely consider boat or watercraft insurance. Not only is insurance important, but it’s also the right thing to do if you’re going on the water. Contact the Koverage Insurance Group today for a quote.