Do I need to cover my boat year round?

You may not even think of your boat during the times you are unable to use it. That may only be a few months out of the year, by the time you have to take account of weather conditions and when you can take off from work. So you are probably asking yourself if it is worth ensuring your boat during all those times when you are not even getting to enjoy it.

The friendly agents at AFI Insurance help people in Denver, CO find insurance policies that best meet their needs, and you may already have a homeowner’s policy which covers your boat if something were to happen to it while it is stored in your garage during the winter. Is year-round boat insurance an unnecessary expense?

  1. If you still have a loan on your boat, you are probably required under the terms of the loan to have full coverage to cover anything that happens to the boat, until the loan is paid off. Failure to do so could cause the lender to force an expensive policy onto your loan.
  2. If you keep your boat at a marina or boathouse, your insurance policy will cover any damages that occur because of a fire, vandalism or theft. These kinds of events are unpredictable and can happen at any time.
  3. Even if your homeowner’s policy covers basic loss while your boat is stored at home, a real boat insurance policy will also cover damages related to collisions with another boat, damages to someone’s property, and bodily injury in case of an accident.
  4. Keeping your insurance policy year after year can mean that you start receiving loyalty discounts, or even save money on your deductible.

If you are in Denver, CO and want to find out how to save money while protecting your boat, call AFI Insurance today.

Must Have RV Insurance Coverage for Your Spring Road Trip

RV ownership gives you greater freedom to explore the beautiful state of Colorado to the full. With RV insurance from AFI Insurance, Denver, CO, you can enjoy your travels to the full. The more you travel, the more you’ll appreciate insurance protection to keep you safe on the road. If you’re not sure how to customize your insurance package, here’s some great advice.

Basic liability is a must for RV drivers as you never know when you’ll accidentally hit another vehicle on the road. Even careful RV drivers can be susceptible to accidents, especially on slick or winding roads. With liability coverage, you won’t have to pay for damages to others out of pocket if you’re found at fault for an accident.

If you financed your RV with a bank or dealership and are still paying off the loan, collision coverage will most likely be required. It’s also worthwhile protection even if you own your RV outright.

Many RV owners customize their motor home to give it that personal touch. Custom equipment coverage will protect any major upgrades you’ve made to your vehicle so you can recuperate these costs.

As so many things can happen during an RV road trip, you may want to consider additional protection while you’re on the road. Personal effects insurance protects personal belongings like clothing, laptops, cell phones, etc. in case these are damaged or stolen while you’re off fishing or taking a nature walk. If your RV develops mechanical problems anytime during your travels, roadside assist pays for repairs to get you back on the road so you don’t lose precious time off of your road trip.

For a customized RV insurance package that coincides with your active lifestyle, contact your AFI Insurance agent in Denver, CO.