3 Optional Personal Watercraft Coverages to Consider

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.

Life Insurance: Understanding All The Terms

Throughout Nevada, there are plenty of things to see and do. With Red Rock Canyon, the casinos of Las Vegas, and the cruises of Lake Mead, there is year-long fun to be had. There are millions of people within the state and the level of health care available is high. People take care of themselves and the obesity rate is lower than the national rate.

If you are going to search for life insurance, you need to be familiar with all of the terms. Otherwise, you may make a misinformed decision and not get the level of coverage you need.

Term life insurance: Insurance that is purchased for a specific term, such as 10 years.

Universal life insurance: Insurance that is purchased for life and can be flexible in payments.

Whole life insurance: Insurance that is for life and has a cash value associated with it.

When you work with the best agents in Nevada, you can learn more about the terms and ask questions. Our goal is to help you find a policy that provides enough coverage that you don’t have to worry about providing financially for your family when you pass.

We will go over such terms as benefit amount, term, and explain some of the fine print so you know what could be a disqualifying event where your family would not be able to get the life insurance coverage.

We have some of the best agents and will help you with life insurance so you are never left in the dark. Too many people buy a policy without knowing all of the details. Don’t let this happen to you! Call us today and find out how we can help you buy the right policy in Nevada. It can make sense to work with an agent instead of going rogue.