How Boat Insurance Works

Owning a boat may offer joy and adventure, but it also comes with important responsibilities, especially regarding insurance. Boat insurance can cover you against financial loss due to accidents, theft or other unexpected events. At Bruni Insurance Agency, we’re here to help you understand the types of coverage available and why the right policy may be essential for every boat owner.

What is Boat Insurance?

Boat insurance may provide financial protection for your watercraft against risks such as damage, theft and liability. Much like auto insurance, it can offer coverage for accidents and other unforeseen events. Whether you own a small fishing boat or a luxury yacht, the right insurance policy may help safeguard your investment.

What Types of Coverage Are Available?

Boat insurance can typically include the following:

• Liability coverage—This can cover legal expenses and damage if you’re found responsible for an accident that causes injury or property damage to others.

• Physical damage coverage—This may include financial protection against damage to your boat from collisions, fire, theft and vandalism.

• Medical payments coverage—This can pay for medical expenses for you and your passengers in the event of an accident, regardless of fault.

• Uninsured/underinsured boater coverage—This may protect you if you’re involved in an accident with an uninsured or underinsured boater.

How Does This Coverage Work?

When you buy boat insurance, you pay a premium for coverage. If an incident happens, you can file a claim with your insurer, who will assess the damage and, if approved, provide compensation based on your policy terms. Be sure to understand your policy’s coverage limits, deductibles and exclusions to ensure you have the right financial protection.

Why Choose Bruni Insurance Agency?

For boat owners in Morgan City, Louisiana, Bruni Insurance Agency is a reliable choice for boat insurance. Our team of experienced agents works diligently to find ideal coverage options at competitive rates. Contact us today to safeguard your investment and keep you afloat.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.