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DePaulo Agency

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Scotia, NY 12302

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Is Boat Insurance A Legal Requirement?

Having a boat can be a great way to spend your leisure time. When you buy a boat, you may be wondering if it is a legal requirement to have boat insurance before you can hit the open water. Here is some helpful information to get you started.

Is Insurance A Requirement?

In the state of New York, boat insurance is not a legal requirement, but it is highly recommended. There is a high risk of damage and accident when out on the open water. In some ways, there are more risks on the water than there are on the highway. If you are going to spend money on a recreational vehicle such as a boat, you need to protect your investment and get boat insurance to help you repair or replace after a covered event.

What Does It Cover?

Boat insurance will cover the repairs to another boat if you have a collision. You can also get a full coverage package that will help you repair or replace your own boat in the event of an accident or other covered events. It is important to consider that you may need coverage in the event of theft, wreck while in transport, or fire caused by any number of circumstances. If you want more information about boat insurance and the limits of coverage it provides, you should call or stop by Scotia, NY, DePaulo Agency.

Don’t leave your investment to chance without having boat insurance. Get more advice and help from our knowledgeable insurance agents at Scotia, NY, DePaulo Agency. Get out on the water and have peace of mind knowing that you are covered when you need it.