Boating Insurance
Few things are better than getting out on the water with the wind in your hair. However, few things are worse than having your budget weighed down like an anchor from boating insurance. Michigan and Minnesota residents love being on and around the water. We also want the necessary protection at an affordable rate. Arcadia Insurance has you covered with all of your boating insurance needs.
Basics of Boat Insurance: Michigan and Minnesota
Some people mistakenly believe that their homeowners insurance or their auto insurance will cover their boat or personal watercraft. Unfortunately, homeowners insurance provides little coverage in Michigan and Minnesota. Boat insurance is necessary or else you might find yourself in an accident and without the coverage you need.
What Boats are Covered by Watercraft Insurance?
If it can float, then chances are it is treated by your insurance company as a boat, which means it needs boat insurance. Michigan and Minnesota residents will be shocked at all of the watercraft covered under boaters insurance. Bass boats, sail boats, pontoon boats, yachts, cabin runners, and more all require boat insurance. Minnesota and Michigan residents would be wise to make sure that their prized watercraft has protection they can be proud of.
What Coverage is Included in Boater Insurance?
Standard coverage for most boater insurance is fairly typical in Michigan and Minnesota. Boater insurance policyholders should expect a combination of property coverage, liability coverage, and medical coverage. Uninsured watercraft coverage also comes standard with most policies. Basically, the standard coverages for boat insurance matches the standard coverages for auto insurance. Michigan and Minnesota residents should be familiar with these coverage types even if they aren’t familiar with personal watercraft insurance.
Like Michigan car insurance or Minnesota home insurance, you can add additional coverage to your boater insurance. Michigan boaters concerned about their towing trailers, dock licenses, or freezing damage can add that on to most policies. Same is true if you ever want to operate as a fishing guide. The truth is that there are a lot of additional riders and addons that can be included in your watercraft policy. One of the big benefits of working with the professionals at Arcadia Insurance is our network of providers. We can get you access to hundreds of boat insurance policies. That way you can craft a watercraft policy with the coverage you need at a price you can afford.
Get the Boat Insurance Coverage You Need from Arcadia Insurance
We like to work hard and play hard in Minnesota and Michigan. Boat insurance protects what matters most while you’re playing on the water. Arcadia insurance will help you find the coverage you need at premiums that won’t break the bank. So, if you have a boat or some other type of personal watercraft and you need it protected, contact us. Arcadia insurance has you covered when it comes to boat insurance or watercraft insurance.
