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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.

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