After a long, cold winter the weather is finally starting to warm up in Virginia Beach. Spring is here and that means life on the water will be starting soon. Temperatures are starting to climb and before you know it, we will all be heading for the coolness of the water. Do you have a boat that you use for fishing, skiing or just cruising? Maybe you have a personal watercraft for your fun on the water. You do have boat insurance for your personal watercraft, right? Usually this is NOT covered by your homeowners policy, so make sure you are properly insured. Many insurance companies offer boat insurance options for all your watercraft, so look around. The important thing is to make sure you are covered.
Why You Need Boat Insurance For Your Watercraft
No one goes out for a day of fun on the water expecting an accident to occur but we all have to prepare for the possibility. A boat insurance policy covers you for liability if someone is injured on your craft, and gives you the choice between replacement cost or cash value in case of a total loss of your vessel. Boat insurance also includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something or run aground.
Choosing Boat Insurance For Your Watercraft
WBR Insurance offers plan options that you can include in your boat insurance. When assessing which options to purchase you will need to consider the risk that a the service is needed versus the out of pocket expense if it should be needed. Have you checked the price of being towed back to the dock from the typical fishing grounds? It makes sense for many to have insurance to cover that possibility, but if you never venture beyond sight of the ramp or dock maybe you do not.
WBR Insurance provides the following boat insurance options that you may wish to consider:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured or underinsured boater coverage
- Medical payments
- On-water towing and labor
- Fishing equipment
- Personal effects insurance
- Roadside Assistance
At WBR Insurance we offer a full portfolio of specialty policies, including boat insurance. We pride ourselves in establishing personal relationships with our customers to assist you in protecting what matters most. To get a free quote for your Virginia Beach boat insurance needs, give us a call at 757-340-0028 or visit our website www.WBRInsurance.com.
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