Click to CallYou probably know that boat insurance covers your vessel in most on-water accidents, but what about when it needs to be towed to a marina? And is it covered while you’re towing it behind a car or truck? The answers depend on your coverage types and the features of your specific boat insurance policy.
On-Water Towing
Many insurers cover necessary on-water towing. However, this coverage may be included or optional. It can come in handy if your boat runs aground, becomes involved in an accident, or suffers engine failure on a lake in Snellville, GA. Some policies also provide roadside assistance for boat trailers and the vehicles pulling them.
Towing on Land
Don’t forget that an accident could occur while you tow a vessel on the road. When this happens, boat insurance covers damage to the watercraft. You may need extra insurance if you want coverage to extend to your trailer. Some carriers add this coverage to boat policies, while others add it to auto insurance. Either way, a deductible often applies to claims.
If the vessel harms someone else’s property while you tow it on land, boat insurance probably won’t cover the damage. Instead, liability is usually handled by car insurance. An umbrella policy can provide additional liability protection if needed. Home or renters insurance includes some limited coverage of low-value boats but usually doesn’t cover liability. In most cases, these policies also exclude personal watercraft (like Jet Skis).
Birdsong Agency Inc. offers boat insurance and auto, home, renters, and umbrella coverage. Snellville, GA, residents benefit from our ability to help customers select policies that truly provide the coverage they need. We take the time to compare different options and explain what they cover. For more information, please call the Birdsong Agency Inc. office at 470-268-7886.
