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While boat insurance requirements vary by state, many marinas mandate boat insurance before allowing owners to dock their vessels. Understanding these requirements is crucial before purchasing a boat.
Liability Insurance Requirements
Most marinas require basic liability insurance, which provides coverage in the event of damage to another boat. This ensures that damages to other boat owners are covered if you accidentally cause property damage. The amount of liability coverage required can vary by marina. It’s always best to contact your local marina in Scotia, NY, to inquire about their specific requirements rather than assuming basic liability coverage will suffice.
Why Additional Coverage Matters
While marinas typically don’t require additional coverage, many boat owners choose to purchase insurance that protects their own vessels. Liability coverage only covers damage to the other party’s boat, leaving you responsible for out-of-pocket expenses to repair your own. Additional coverage from a provider like DePaulo Agency can help cover repair costs for your property.
Exploring Other Coverage Options
Many insurance companies offer add-on coverage to enhance your boat insurance policy. For example, you can opt for fuel delivery services in case you run out of fuel while on the water. Wreckage cleanup coverage ensures debris is removed from the water following an accident. Water-towing services are also available to assist if your boat becomes stranded.
While marinas may only require liability coverage, comprehensive coverage provides peace of mind by protecting you in the event of an accident. Some boat owners choose to maintain liability coverage during the off-season and upgrade to comprehensive coverage before using their boats.
At DePaulo Agency, our professionals can help you find an insurance policy that meets your needs and complies with local marina requirements. Contact us today to discuss your options. We proudly serve the Scotia, NY, area.