Category: Boat/Watercraft Insurance

You may want to own a boat when you live in the Snellville, GA, area. If you are going to purchase a boat when you are here, it will allow you to enjoy the nice weather and access to many lakes and fun boating areas. When looking for a boat, you also need to consider insurance. For various reasons, getting a full boat or watercraft insurance plan here is a good idea. 

Ensure the Boat is Covered

A top reason to get a boat insurance plan is to ensure your boat is covered and protected. When you buy a boat, it will quickly become costly to purchase and care for. If you are fully insured, you will have the support you need to replace or repair it in the future. 

Protect Against Liability Risks

It is also a good idea to get boat insurance to protect against your liability risks. If you operate a boat, there will always be a chance that you cause an accident and damage. When this occurs, you will need to pay for any remediations. Fortunately, if you are insured with boat coverage, you will have protection against this risk. 

Boat or watercraft insurance is always a good idea when looking for coverage in the Snellville, GA, area. If you are shopping for a new insurance plan in this area, you can call our team at Birdsong Agency Inc. to discuss your needs. Our professionals with the Birdsong Agency Inc. are familiar with the needs of boat owners when it comes to insurance. This helps to ensure you are able to build a plan that will properly cover your business. 

You 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.

Birdsong Agency Inc. is proud to serve the residents in and around the Snellville, GA area. We are a top-notch insurance agency dedicated to providing comprehensive insurance coverage for our customers. Our team has the expertise and professionalism to help secure the right insurance policies, including boat insurance. Whether you own a fishing boat, sailboat, or any other type of watercraft, Birdsong Agency Inc. can offer tailored insurance solutions to protect your investment.

Boat Insurance Coverage

When it comes to boat insurance, boat owners need to know which types of boats need insurance coverage. Boats required to have boat insurance generally include those with an engine, such as powerboats, sailboats with a motor, and personal watercraft like jet skis. Additionally, larger boats, such as yachts, almost always require boat insurance because of their higher value and potential risk.

However, it’s important to consider that the exact insurance requirements can vary depending on the state, waterway regulations, and individual circumstances. Therefore, boat owners should consult with our insurance professionals or their state’s boating authorities to obtain accurate and up-to-date information regarding the legal requirements for boat insurance.

Get Coverage Today 

At Birdsong Agency Inc, serving Snellville, GA and the surrounding areas, we pride ourselves on offering professional, reliable, and comprehensive insurance solutions. Whether you need boat coverage or any other type of insurance, our dedicated team is ready to assist you. 

With years of industry experience, we understand the importance of protecting your assets and ensuring peace of mind. Call us today or stop by our office to discuss your insurance needs, and let us provide you with the details and assistance you require.

Boating is among the favorite activities for those who love the water and the outdoors. However, it is imperative to practice safe boating as insurance providers take safety extremely seriously and often financially reward boat insurance policyholders who have demonstrated themselves to be responsible boat owners/operators. According to the insurance professionals at Birdsong Agency Inc. in Snellville, GA, safe boating practices have the potential to impact your coverage and costs.

How Safe Boating Practices Affect Your Coverage

Safety Considerations

Many insurance companies offer premium discounts to boaters who complete boating safety or certification courses/programs. These courses teach important safety practices and navigation rules. Completing these programs can lead to lower insurance premiums, as underwriters view trained boaters as reduced insurance risks. In addition, safe practices on the water reduce the risk of an accident and, therefore, a claim. Over time, reduced claims may positively impact one’s insurance rates.

Coverage Eligibility

Insurance companies may set forth specific boat insurance eligibility requirements. Although policies differ, most require that the insured meet minimum safety standards with regard to functional safety equipment (i.e., life jackets, navigation lights, fire extinguishers, etc.).

Maintenance & Inspections

Regular maintenance and inspections of your boat enhance safety and reduce the risk of accidents. Insurers may ask about your maintenance practices when underwriting your boat insurance policy.

The locations in which you navigate may impact coverage availability and rates for those who navigate in higher-risk areas, e.g., heavy boat traffic, prone to storms, etc.

Contact Us Today

Overall, practicing safe boating habits not only enhances your safety but can also lead to more favorable insurance coverage and rates. If you are shopping for boat insurance, contact us at Birdsong Agency Inc. serving the greater Snellville, GA community today!

Property damage coverage protects your boat against physical damage, including accidents, vandalism, theft, fire, etc. Birdsong Agency Inc. examines what property damage coverage entails and why it’s crucial for boat owners around Snellville, GA.

Understanding Property Damage Coverage

1) What is Property Damage Coverage?

Property damage coverage is a key component of most boat insurance policies. It covers physical damage to your boat, including the hull, motor, and other permanent fixtures. This coverage also includes damage to any personal property attached to your boat, such as electronics or fishing gear. Essentially, it protects your investment in the boat and any related property.

2) What Does Property Damage Coverage Include?

Your property damage coverage can vary depending on your insurance policy and provider. Most policies cover accidents and collisions, including damage caused by other boaters or hazards in the water. Property damage coverage can also protect against vandalism, theft, and fire.

3) How Much Property Damage Coverage Do You Need?

The amount of property damage coverage you need depends on your boat’s value and the local area’s risk factors. You’ll want to ensure you have enough coverage to repair or replace your boat if it’s damaged or stolen. It’s also worth considering if you should add coverage for personal property or equipment onboard your boat.

4) What Isn’t Covered by Property Damage Coverage?

While property damage coverage can help protect against many risks, there are some things it doesn’t cover. For example, this insurance wouldn’t cover normal wear and tear or maintenance issues. Additionally, if you caused the accident or damaged yourself, your property damage coverage wouldn’t apply.

We Are Here To Help

Before hitting the water, protect your investment and your peace of mind with adequate boat insurance coverage.

Still have questions? Contact Birdsong Agency Inc. today; we’re here to serve the greater Snellville, GA community.

You’re buying a second boat or other watercraft: Congratulations! Now, it’s time to be sure your investment is protected.

Let’s take a look at three questions you’ll want to ask your insurance agent to be sure your boat is safe, no matter what happens. 

Buying a Second Boat? Three Questions to Ask

1) What are the options to insure my boat?

It’s always a smart move to get insurance coverage for all the watercraft you own. Consult with Birdsong Agency Inc. and we can provide you with coverage options for your second boat in Snellville, GA.

2) Is my policy based on agreed value or actual cash value?

Both types of insurance are solid–agreed value bases your policy on the price of your boat when you buy the policy, while actual cash value includes depreciation, which can factor into both the cost of your insurance and the payout if you need to make a claim. 

3) Do I have full coverage insurance?

There’s no doubt about it–accidents happen, no matter how careful you are. You’ll want to make sure you have full coverage insurance to protect you against acts of nature and accidents that occur while you’re enjoying your boat.

We’re here to help

At Birdsong Agency Inc., we’re proud to serve our customers from Snellville, GA. We’d love to chat with you about all your boating insurance needs. Give us a call or stop in today to learn more about how we can help you keep your boat safe. 

When buying a boat, you may not automatically think of also promptly searching for a liability insurance policy for your new purchase. But the fact is that you need to protect the boat almost the same as you would a car.

Watercraft is a form of transportation and should be secured as such. Remember that the boat will be traveling to bodies of water, most likely behind a vehicle on busy freeways. In the event of a collision taking place where you are not at fault, the policy can be used for repairs to your watercraft.

Liability Boat Insurance: Why Do You Need It?

Even though boat liability insurance is not legally required in the state of Georgia, it is still a great idea to be proactive and secure your investment.

Accidents can happen on the water almost as easily as they can on the road. If you find yourself in this situation and have maintained a liability policy for your boat, damage to boats and any other property can be covered. This includes injuries to the parties involved.

Also, in the event that a collision causes fuel spillage, the policy can cover that as well. 

Get The Right Coverage For Your Boat

For more information on how a boating liability policy can provide you with the coverage you need, contact the experts. Birdsong Agency Inc. in Snellville GA has experienced agents waiting to assist you with your boat liability insurance. 

Your boat needs to remain safeguarded on and off the water, and an insurance policy is the best way to accomplish that. Make sure to take care of your investment, because you never know what could happen otherwise.

Contact Us Today

Call or email Birdsong Agency Inc. today or stop by our office in Snellville, GA to start protecting your boat today.

Spending time on the water in the summer months can be great fun. But it’s not as enjoyable if you’re worried about whether your boat is properly protected. Before you head out to any of the local waterways, stop in at Birdsong Agency Inc. if you’re in the Snellville, GA area. We can help you find the right boat insurance policy for your needs, so you can focus on the fun and not on your boat’s coverage. When you have the right policy for your boat, you have the opportunity for a lot more peace of mind.

Boat Insurance: What You Need To Know

Choosing the right type and level of policy doesn’t have to be confusing. When you work with trusted, knowledgeable agents you can get the help and support that’s important to you. Then you’ll feel confident with the policy you choose for your boat insurance. Going out on the water is something a lot of people spend the cooler months thinking about, and when summer arrives they’re ready to get going. But taking a few minutes to make sure your insurance is up-to-date is worth it for the protection you’ll have.

Whether you already have a policy and want to make sure it’s updated, or you’ve purchased a boat and need proper coverage for it for the first time, there’s help available. There’s no reason you need to settle for anything less than a quality policy that meets your needs. Working with agents who handle watercraft insurance is the best way to make sure you’re getting the very best coverage.

Give Us A Call

If you’re in the Snellville, GA area and in need of boat insurance for your summer adventures on the water, Birdsong Agency Inc. is here and ready to help. You can trust our agents to find you the best coverage, so you can focus on the fun, and not on the coverage