Owning a boat is a great way to beat the summer heat here in Nevada. However, making sure you are appropriately covered is the first step before embarking on some fun in the sun. Here are three optional personal watercraft coverages to consider for your boat insurance policy.
#1: Replacement of Personal Items
Sometimes accidents happen and your favorite items aboard your boat get lost in the water. Having coverage on your personal watercraft policy for replacement of personal items is a great way to get these things replaced. Most carriers will even pay for sunglasses, cameras, cell phones, clothing, and more depending on their policy limits.
#2: Roadside Assistance
Roadside assistance coverage on your boat insurance policy is very similar to your auto insurance policy. This coverage takes care of taking your personal watercraft to the nearest storage or repair facility should your tow trailer become disabled. This is incredibly handy should you get into an accident on the way to or from the lake.
#3: Wreckage Removal
Wreckage removal covers the cost of raising your personal watercraft should it sink due to accident or any type of prop damage. This coverage doesn’t cost a whole lot to add to your policy with most carriers compared to what it would cost if you had to pay out of pocket, a figure that can easily top hundreds or thousands of dollars.
Other potential coverage includes those for jet skis and those that pay for the cost of cleanup should you have a fuel spill.
It is s also vital to note that not all carriers offer these coverage options. Thus, it is very important to speak to your local Las Vegas or 89145 area boat insurance agent at Sage Insurance Services to find out what is available for you.