At Grove Financial & Associates Inc in Mechanicsburg, PA, we help clients protect their prized watercraft possessions against theft, liability, and more. For first-time watercraft owners, navigating the insurance world can feel confusing. After all, boat insurance might have the word “boat” in the name, but that doesn’t mean it can’t cover other types of vehicles designed to move through bodies of water.
Watercraft insurance covers a range of different recreational vehicles and watercraft. Still, it does exclude certain kinds of water toys. To ensure that you can cover certain costs related to your watercraft and afford emergency expenses with it, you should know what types of vehicles are covered by boat or watercraft insurance.
What types of vehicles does watercraft insurance cover?
For watercraft insurance, a few types of vehicles are always covered under these policies. For example, boats like fishing boats, deck boats, dinghy boats, and sailboats are always covered. Additionally, yachts and houseboats are covered under almost all watercraft insurance policies. Some recreational water vehicles, such as jet skis, are also covered under most boat insurance policies.
Certain watercraft policies only cover specific types of boats. One of these types of watercraft insurance policies is yacht insurance. As you can imagine, this kind of boat insurance only covers yachts. For other types of boat insurance policies, you may cover a range of watercraft.
If you’re unsure what type of boat insurance policy to purchase, our agents at Grove Financial & Associates Inc in Mechanicsburg, PA are always happy to help you figure out the best policy for your needs. You can stop by our office today or give us a call to find out more about what boat insurance policies we offer.
