Does Boat Insurance Cover Repairs From Hitting Debris?

Your boat is a piece of machinery that takes time and effort to keep running smoothly. You have to invest money in it each year to make sure that it is running properly and as such hitting debris and causing damage is a big issue. For those in the Pembroke Pines, FL area, the agents with McCormick Insurance Inc. can help you find the policy that works best to protect your boat.

So, does boat insurance cover damage caused by hitting debris? The overall answer to this is a bit difficult to answer and may not be something that you can get in a few short sentences. In most cases, your basic boat policy is going to cover injury to passengers, collision, and damage caused by accidents. It may cover things like hitting a buoy or a dock but you will have to discuss that more specifically with your insurance agent.

In most cases, your policy is not going to cover the damage that you incur from hitting something that was readily avoidable in the water. If you are driving your boat and you hit a piece of debris that was clearly visible and that does not do a great deal of damage, odds are you are going to have to foot the repair bill. If you hit something under the water however that was not clearly, visible, most policies are going to help cover repairs.

The real issue is making sure you have a policy that covers your unique boat as well as your unique usage. If you live in an area and boat in an area where there is a great deal of debris and therefore accidental damage is likely, your policy should reflect that. For those that live in the Pembroke Pines, FL area, the agents with McCormick Insurance Inc. Insurance can help.