It’s a perfect day for boating in Newport Beach, California, and the sea is calling. You pack food, water, sunscreen and fishing gear. Your boat, of course, is pre-loaded with safety gear such as paddles, a radio, flares, GPS and even a fire extinguisher. You couldn’t be any more prepared. Or could you? Before you step foot off the dock, be sure to understand your Newport Beach boat insurance options.
A Sea of Options
Boating insurance policies are designed to protect your boat and passengers in and out of the water. The following is a sampling of the options your Newport Beach boat insurance can cover:
- Boat structure (hull, sails, etc.)
- Fishing equipment or other special equipment
- Roadside assistance for your tow vehicle
- Salvage expenses
- Collision damage
- Boat-related injuries
- Fuel spills
- Bodily injury outside the boat
- Legal defense
- Accident with an uninsured or underinsured boater
Know Your Policy
Be sure to read your policy carefully to understand its limitations. Most policies provide coverage only when you stay in a certain geographical area, so familiarize yourself with those boundaries. For example, if a boat trip to Mexico is on the horizon, you will need Mexican watercraft liability insurance. Also, any commercial or charter use of your boat will require a special endorsement by your insurance carrier.
Newport Beach boat insurance is a smart investment. If the unthinkable happens, your insurance policy can protect you and your assets and help you sail through any trouble.