Month: June 2021

New York State has more than 400,000 registered recreational boats and hosts millions of boaters every year. With amazing lakes, ponds, rivers, and Long Island Sound, you have plenty of options for enjoying your boat. While you may be a safe driver, everyone isn’t, and having boat insurance can give you the protection you need. At Carminucci Agency in Croton Falls, NY, our agents have the experience to offer our clients help to choose the right products and then being there with them through any claims that need to be filed. 

Not every boat insurance policy is the same, and they provide varying degrees of coverage. That is where having a knowledgeable independent agent comes in. Talk to your agent about the types of coverage that are important to you and ask them to explain all the optional coverage you should consider. 

Damage

There are a lot of risks out there just waiting to damage your boat. Lots of them are covered but of course like all insurance, not everything. Most insurance will cover the hull of your boat, motor, batteries, fuel tanks, anchor, safety equipment, navigational equipment, and more. Be sure to read your policy, so you know what is covered and what is excluded.  

Theft

Your boat is covered if it is stolen in the water. Outside the water is more complicated. A lot depends on exactly where it is when it is stolen. Equipment in your boat may not be covered, read your policy to see what it covers. 

Liability

This is one of the most important types of coverage. If you have an at-fault boat accident, you need to have protection for the damage you cause to both people and property. 

Contact Carminucci Agency in Croton Falls, NY to discuss why boat insurance is something you should have.