You are bringing your boat home after a summer vacation on the waters. You get it on your trailer and you are ready to start towing her home. While transporting the boat home, you keep checking the rear mirror just to ensure your vessel is okay. Unfortunately, you hear a weird noise, and on looking back, you realize that your boat looks crooked. So what are your options? Will your boat insurance policy protect it if you are in transit?
Land transportation is also included in boat insurance, meaning that your vessel will be protected when you are transporting it to any destination. However, it’s important to confirm with the insurer before purchasing the coverage. AFI Insurance is one of the insurance companies you can rely on when you need boat insurance in Denver, CO.
Usually, most boat insurance plans offer a road transit coverage if your craft is less than 30ft. But, your insurer may cover a larger boat as long as the transit is done by a professional transport company using a trailer that is built to transport boats. Note that you must notify your insurer in advance.
You require a boat insurance policy
A boat insurance plan will cover damage to your boat whether you are in or out of the water, and still give you liability protection if you are found responsible for injuries to water skiers, swimmers, or other boaters, or when you damage a dock, another boat or the environment as a result of fuel spillage. Additionally, boat insurance offers a no-fault medical bill payment coverage for injuries that your passengers suffer on your boat after an accident.
You can get a hassle-free boat insurance coverage today in Denver, CO when you contact AFI Insurance. We will make it fast and straightforward, so you can be safe whenever you are transporting or using your boat.
If you’re living in your recreational vehicle as your primary residences, there are additional risks and concerns that come with living on the road, which affects your coverage. There are additional coverage requirements and allowances, designed to financially protect you and make your life easier if something goes bad. If you’re considered living in your RV while your insurance provider doesn’t know that it’s your permanent residence, you may be denied if you make a claim. Therefore, it’s very important to be up-front and discuss your intentions with your provider. Find out answers to your questions and learn more about RV insurance by contacting AFI Insurance, a company that serves the Denver, CO area.
What You Need to Know About Full-time Rv Insurance
Full-time personal liability is very important if you’re living in your RV. This coverage pays for property damage and bodily injury to other persons when you’re at fault for an accident. You likely already have this coverage on your regular policy, but you need full-time liability in order to avoid rejected claims.
Medical payments to others coverage pay for medical costs caused by people who are injured while in your RV or the property nearby. For example, this coverage protects you if a friend gets hurt while spending some time with you inside or just outside your RV.
Personal belongings coverage reimburses you for stolen or damaged items. If you’re living in your RV, there are likely some important items inside, so this coverage is quite valuable.
Emergency expense allowance is helpful, as it pays for food and housing if you’re dealing with a covered claim that’s more than a predetermined distance from your residence.
Storage shed contents coverage pays for the valuables located in a storage unit that’s leased, owned or, rented by the insurer during the time of the loss.
There’s a lot more information that is important when it comes to full-time RV insurance. Get in touch with AFI Insurance, assisting people in the Denver, CO area, to learn more about how you can protect yourself while your RV is your permanent residence.