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Colorado Insurance Blog

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.



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