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319 E. Main St.
Brownsburg, IN 46112

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Where Besides On the Water Does My Boat Insurance Cover Me?

Where Besides On the Water Does My Boat Insurance Cover Me?

Your Grove Insurance Agency boat policy doesn’t just cover your boat when you navigate the waters near Brownsburg, IN. Your boat insurance covers your boat in every situation that could cause liability or incur property damage.

Your boat insurance covers your watercraft when it travels on your trailer to move it from your home or drydock to the water. If you become involved in an auto accident that damages your boat, your boat insurance c3overs the repairs to it or its replacement. If you cause an accident, your boat insurance works with your auto insurance to cover the damages and liability to the other vehicles.

A boat insurance policy also covers the watercraft while it sits in drydock or its mooring. That means if a named peril occurs, such as a thunderstorm with hail or a tornado, the damage to your boat gets covered or its replacement cost covered.

Theft also falls under the coverage provided by your boat policy. If your watercraft gets stolen, your boat policy pays for its replacement.

The insurance policy also provides for the act of vandalism. If someone causes damage to your boat, the insurance covers restoring it.

Boat insurance covers so many situations because, unlike auto insurance, you typically obtain a full coverage policy. That means you automatically buy a policy that covers liability, property damage, collision, and comprehensive coverage.

If you just purchased your boat, contact Grove Insurance Agency serving Brownsburg, IN, to obtain insurance for it. You should cover your boat before your pick it up or take delivery of it, so it has coverage in transit and once it reaches your home or docking point.

Don’t Let Your Boat Insurance Policy Lapse

At Grove Insurance Agency, we help Brownsburg, IN residents find high-quality boat insurance. However, we also see many people who let their policy lapse and struggle with various consequences. Understanding these can help to make it easier for you to keep your policy up to date. 

What Happens If You Lapse 

Lapsing your insurance policy (i.e., not paying on time or missing too many payments) will quickly cause your policy to lapse. This means that your policy is no longer active and your boat is not insured. Any accidents that you experience will then be on you to pay and not your insurance company.

When you try to get a new policy after it lapses, you may find that your company demands higher premiums. Or they might refuse to insure you at all. The end result may be that you need to get a specialized high-risk insurance policy that will cost you more money to handle.

Unfortunately, there are situations that may also void your policy if you’ve paid it. These situations are often quite complex and may vary according to your policy. They include things like providing false information that causes your insurance company to cancel your policy. 

When this happens, you’ll experience the same kind of reaction you would if your policy lapsed normally. Insurance companies treat all lapses the same, even if you paid your policy up to date. False information on a claim will quickly anger your insurer and cause you complications. 

Get the Help You Need 

If your boat insurance policy has lapsed or if you want to insure a new boat and need help, we are here for you. At Grove Insurance Agency serving Brownsburg IN, we can provide the kind of high-quality insurance policy that you want and give you the assistance necessary to execute it properly. 

Is Boat Insurance A Neccesity?

Pennsylvania has some of this country’s most scintillating sceneries, and what can be more captivating than taking them in from out on your boat? Whether you are contemplating purchasing a boat or you are a seasoned boater in Mechanicsburg, PA it’s imperative to familiarize yourself with the versatile varieties of boat coverages. Unluckily, accidents and calamities sometimes strike without prior warning. You can avert massive financial losses from a day out in the water by investing in salient boat insurance. Connect with our agents at Grove Financial & Associates Inc, located in Mechanicsburg, PA near you to learn more about boat insurance and begin comparing customized quotes.

Is boat insurance mandatory in Pennsylvania?

 Boat insurance isn’t legally required in Pennsylvania. However, it is paramount to consider procuring it because it instills peace of mind while you are in water and has several other benefits stipulated below.

Protect your boat: Policies like comprehensive and collision coverages pay for repairing or replacing your watercraft if it is damaged by non-collision events like hail or fire and colliding with other vehicles or stationary objects, respectively. Getting formidable boat insurance will ensure that your prized asset gets protected from prevailing perils.

Liability protection: Just like you can collide with another car on the road; boat accidents are vulnerable in water. Boat accidents can be expensive in most cases and require perfect liability coverage to come to your rescue during these situations. In addition, liability coverage caters to damages to other parties’ property if you cause an accident with your boat. This policy also covers your legal fees if you get sued over a boating accident. 

Provide emergency assistance and towing: Have you ever thought about what could happen in the water miles offshore in Mechanicsburg PA with no one to come to your rescue? Acquiring a professional tow service to come and get you is costly. However, with an outstanding boat insurance policy, you will be stress-free because it’s covered.

To purchase a new boat insurance policy, don’t hesitate to call or visit us at Grove Financial & Associates Inc today in Mechanicsburg, PA. It is the ultimate way to safeguard your investment and allow yourself to enjoy boating expeditions without stressing over potential accidents. 

Boat Safety 101

Whether it’s a small watercraft such as a canoe, or something much larger, launching your boat is exhilarating. Don’t let your excitement to get on the water make you forget about safety, however. When you’re boating in or around Brownsburg, IN, don’t forget about these boating safety tips:

Take a Boating Safety Course

Before you take a boat out on the water, take a boating safety course to learn the basics. Boater education helps reduce the number of accidents based on human error. 

Wear a Life Jacket

Personal flotation devices save lives, and any time you are in charge of a boat and its passengers, it’s imperative you require everyone to wear their life jackets. 

Check Your Boat

Make it a habit to check your vessel regularly to check for malfunctioning equipment or other problems that could be a disaster once you get out on the water. Be sure to perform regular maintenance on your watercraft as well. 

Don’t Get In Over Your Head.

Don’t paddle out into rough water if you’re not experienced, and don’t take the speedboat out when there are obvious signs of a storm brewing. Use your common sense to avoid situations that require ability beyond your skill level. 

Create a Float Plan

A float plan that you leave with a reliable person will ensure a rescue mission starts as soon as possible in the unfortunate event something does happen to you and your boat. 

Of course, it’s imperative to have boat insurance, which will protect your boat and provide you with liability protection. If you experience an accident on the water, boating insurance will make the wake of the accident smoother. To learn more about boat insurance or inquire about your existing policy, contact Grove Insurance Agency in Brownsburg, IN today.