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Colorado Insurance Blog

My boat is already paid for and rarely used. Should I still invest in boat insurance?

In several states, boat insurance is not a requirement for boat owners unless they have an ongoing boat loan. Nevertheless, it is crucial to understand that boat insurance provides abundant benefits despite its non-compulsory nature. This is true, particularly for those apprehensive about liability coverage or needing support to handle the repair costs should their watercraft become damaged. We at Integrity First Insurance are committed to teaching Colorado boat owners about the merits of boat insurance. Our focus is to protect owners and their boats while offering legal safeguarding in varied watercraft situations.

Understanding Boat Insurance

Boat insurance provides cover for any damage or injuries inflicted by you on others. In addition, it also includes protection for any injuries you sustain and any damage your boat incurs. Given that your policy covers the circumstances of these instances, you can file a claim. Accordingly, your insurance company will handle everything up to the limits defined in your boat insurance policy. The concept is akin to auto insurance.

Should You Invest in Boat Insurance for a Rarely Used Paid-Off Boat?

Regardless of whether your watercraft is fully paid off and hardly used, there are still compelling reasons to buy boat insurance. Notably, boat insurance safeguards you against liability should you damage someone’s property or cause injury to someone. Moreover, boat insurance will cover the replacement or repair of your boat and any injuries you suffer. However, these events must be covered by your insurance policy. Without insurance, numerous boat owners would struggle to pay for another individual’s damaged watercraft, injuries, and even their own. Contact us to clarify any queries you may have about boat insurance and to discuss your alternatives. We are here to assist you.

When is it a good idea to get boat insurance in Colorado?

Having a boat can be a great idea for those in the state of Colorado. While this state is best known for its mountains, it is also full of rivers and mountains. If you get a boat, you will be able to enjoy all that it has to offer. Along with buying a boat, you should also select an insurance plan.

Getting this coverage is a good idea in various situations. 

Before Taking The Boat Out 

A situation when it is beneficial to get boat insurance is before you take it out for the first time. While most people who own a boat will be safe when using it, there will always be a chance you could make a mistake that results in an accident. If this happens, you will need to cover the damages. If you are insured with a boat insurance plan, you will have the necessary support to be protected in this scenario. 

When Making a Big Investment

When you are looking to buy a boat, you will find the cost of the boat can vary considerably. If you are buying a boat that requires a big investment, it will be very important that you also have a boat insurance plan in place. When you get a full boat insurance policy, it will provide support if the boat is stolen or damaged. This can help ensure your investment is protected. 

Reach Out To Us

For those who are in the state of Colorado, it is very important that you always have a boat insurance policy in place. If you are looking to get coverage here, you should always call our team with Integrity First Insurance. Our professionals at Integrity First Insurance know the value of this coverage and can help you create a plan that offers the necessary support. 

Why should someone get boat insurance in Colorado?

Those that live in the state of Colorado will find that it can be a great place to live in the summer. While the state is best known for its mountains, it also has plenty of great lakes throughout the state, and owning a boat can be a lot of fun. If you are a boat owner, having insurance is important. 

Why Boat Insurance?

Financial Protection

The primary reason that boat owners in this state will want to have a boat insurance plan is so they can receive financial protection. Anyone that would like to operate a boat here takes on the risk that they could be involved in an accident. If you are at fault, you will need to cover all damages. Further, there is a chance your boat could be stolen or damaged, which can make it expensive to repair or replace. With boat insurance, you will have the coverage necessary to mitigate these risks. 

Comply with Obligations

Most boat owners will also want to have boat insurance so they can comply with any insurance obligations. While it may not be required by law to have coverage, many local marinas and lakes will require that owners carry this coverage. Further, if you have financed the boat purchase with a loan, your lender will want to confirm you have a proper boat insurance plan. 

Give Us A Call

As you are looking to build your next boat insurance policy in the state of Colorado, it is important to speak with someone that is experienced with this type of coverage. Our team at Integrity First Insurance has the experience necessary to properly evaluate your needs and options and help you build your next plan. Integrity First Insurance can be a great resource and will help ensure you are properly covered. 

Boat/Watercraft Insurance Offers Summer Peace of Mind

If you’re getting ready to take your boat or watercraft out onto Colorado waterways, it’s important to make sure you have the right coverage. Integrity First Insurance is here to help with that, along with providing peace of mind. Before you get out into the rivers and lakes, take the time to work with a trusted agent on the boat/watercraft insurance policy that’s right for your needs. Understanding what the state requires, and what additional coverage options you might want, can help you feel secure.

Boat/Watercraft Insurance: What You Need To Know

Your boat or other watercraft needs protection against various types of harm, including natural and manmade risks. The right type and level of coverage will give you that, so you can spend time enjoying the weather, instead of worrying about insurance. You also want to make sure you’re covered for any kind of damage you might accidentally cause with your boat or watercraft. It’s much easier to have fun out on the water when you don’t have worries about other boaters and watercraft users in your area.

By reaching out to Integrity First Insurance, you can get the Colorado boat/watercraft insurance you need. When you couple that with a good tune-up on your boat or watercraft, you’ll have covered important areas before you get out on the water. Whether you’re going out by yourself, or taking friends and family along with you, the feeling of confidence that comes from security can be an important part of enjoying the summer months.

Give Us A Call

Contact Integrity First Insurance today, and get the information you need from knowledgeable agents you can rely on. The more you know about coverage for your boat or watercraft, the more easily you can make good decisions about insurance policy options. Then the only ohter thing you’ll need to do is head out to the water and enjoy.

7 Things You Should Know About Boat Insurance

Colorado has some of the most breathtaking picturesque landscapes in the country. Even better, it’s a scintillating experience when viewing the scenery while on your boat. Whether you are on an exploration mission with your boat in the Blue Mesa Reservoir or having good times with your family on Chatfield Reservoir, having a boat in Colorado has many advantages.

When you’re taking a boat or jet ski out the last thing you want to do is worry about what would happen if you had an accident. Regrettably, accidents and calamities sometimes strike. Fortunately, you can avert huge financial losses from a day out in the lake by investing in boat insurance. Contact our agents at Integrity First Insurance to learn more about boat insurance and how it can protect your finances.

Here are 7 things you should know about boat insurance:

1. Most boat policies only provide coverage in certain areas.

Generally, anywhere within the US and up to 75 miles off the US coastline is covered. Many policies will also cover into the Pacific coastal waters of Mexico and the Canadian coastal or inland waters.

2. You may be able to choose between Actual Cash Value or Agreed Value coverage for your boat.

Actual Cash Value: Just like cars, boats depreciated in value overtime. Actual Cash Value coverage takes into account age and wear and tear and pays out a depreciated amount based on that.

Agreed Value: With Agreed Value coverage, you choose what value to insure your boat for and will be paid out that agreed amount if there is a total loss. You’re only responsible for the deductible, not any depreciation.

3. Liability insurance is important.

If you’re responsible for an accident while operating your boat, your liability coverage will pay for the injuries or damage caused. Without liability insurance, you could be sued for those costs and have to pay out of pocket or have your wages garnished.

4. You can add protection for Fuel Spill Liability and Wreckage Removal.

Many people don’t know that they are responsible for removing any wreckage and cleaning up an oil or fuel spill if their boat is involved in an accident. The cost of that can add up quickly, so adding that coverage to your boat insurance policy is a great way to protect finances.

5. Most boat policies have the option to add on-water towing coverage.

If your boat breaks down on the water, this coverage will pay to tow it and may even pay for delivery of fuel, oil, or a battery.

6. You can purchase Medical Payments coverage to protect yourself and your passengers, including water skiers and tubers.

Medical Payments coverage limits range from $500 to $10K or more, and will pay for medical costs regardless of who is at-fault for the accident.

7. Unlike auto insurance, watercraft insurance isn’t required in Colorado.

However, if you financed your water vessel, your lender may require you to carry boat insurance until you pay your outstanding loan.

If you are a boat owner, consider procuring a boat insurance policy. Insuring your watercraft protects you, your family, your boat and your financial future so you can focus on having fun. To get coverage, please contact Integrity First Insurance for an affordable quote.

Photo by Maxi am Brunnen on Unsplash

3 Ways You Can Protect Yourself From Personal Injury Attorneys

If you watch TV or listen to the radio, chances are you’ve seen or heard a commercial from a personal injury attorney. You know the ones- “I called (name of law firm) and they got me $700,000!” The frequency of these commercials means you’re more likely to get sued if you are at-fault in an accident.

The fact of the matter is, there are people out there that see a big payday if they get in an accident. Insurance is there to pay your medical bills paid and get your vehicle fixed. When the injured party wants to pocket extra cash, it drives up rates for us all.

Read more about Colorado’s increasing rates in our blog 5 Reasons Insurance Rates Keep Increasing in Colorado.

If you’re at-fault in an accident your insurance company will only pay up to your liability limits. Anything beyond that is your responsibility. If you don’t have that money laying around, they can take your home or garnish your wages.

Here are 3 ways you can help protect your family and your financial future:

Continue reading “3 Ways You Can Protect Yourself From Personal Injury Attorneys”

Should You Keep Your Motorcycle or Boat Insured in the Off-Season?

Do I really need to insure my motorcycle in the winter?

It may seem like a good idea to cancel your motorcycle policy in the off-season, but it could cost you more in the long run. The same goes for boat, ATV, motorhome and snowmobile policies.

Most people only think about the risk they face while riding or boating. But there are plenty of things that can happen while your toy in storage.

If you insure your recreational vehicles year-round, you’ll be protected if something happens. Even in the off-season.  

Claims that could occur while a boat, ATV, snowmobile, or motorcycle is in storage:

Continue reading “Should You Keep Your Motorcycle or Boat Insured in the Off-Season?”

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