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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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Why do I need boat insurance in Elmer?

The Elmer, NJ area can be a great place to live, especially during the year’s summer months. Once the weather turns warm, there are plenty of local waterways that people can enjoy. To ensure that you can enjoy this area as much as possible, it would be a good option to invest in a boat. Along with the purchase of your boat, you also need to get a boat insurance plan. You need this coverage for a few different reasons. 

Insurance Protects Boat

A key reason you will need to get a boat insurance plan when you are in New Jersey is that it can protect your boat. Your boat will come with a big investment through your purchase price and ongoing costs of maintenance. If you choose a full boat insurance plan, you will properly cover and protect this investment. 

Insurance Needed in Some Areas

You will also want to get a boat insurance plan as it can be necessary for people in certain areas. Those who want to use certain marinas and various waterways could find specific requirements to maintain boat insurance. If you do not have coverage, you may not be permitted to use your boat in these areas. This insurance is required as it ensures others that you will have the capacity to pay for any damages that you cause. 

If you purchase a boat in the Elmer, NJ area, it would be a good idea for you to call the Sloan Insurance Agency. The team with the Sloan Insurance Agency understands the value that this insurance coverage provides. They can do this by working hard to assess your individual situation and provide the support you need to build an ideal plan for your situation. 

Is Boat Insurance Required in New Jersey?

It is a beautiful time of the year. The birds are chirping. The sun is shining. And the water is calling. New Jersey boat owners are gearing up for days on the water. Before hitting the shore, though, make sure you have the coverage you need for your watercraft with Sloan Insurance Agency in Elmer, NJ.

Boats are treated a bit differently than automobiles in pretty much every state. Like other locations, Elmer, NJ does not require boat owners to carry insurance. Required or not, though, you should seriously consider having boat insurance to protect yourself and your boat if the worst should happen.

Boat Coverage Options

Also, like automobiles, boats have several coverage types to choose from:

  • Liability coverage
  • Property coverage
  • Medical payments coverage
  • Uninsured watercraft coverage
  • Guest liability coverage
  • Theft coverage

When choosing the coverage types you want, consider more than the boat itself. You also need to factor in any extra equipment you keep on your boat, such as diving or fishing gear. You might need additional coverage for those items.

Before You Insure:

There are a couple of steps you should take before you decide to purchase insurance.

Check Your Homeowner’s Policy

Some, though not all, homeowner’s insurance policies also cover the owner’s additional items, such as boats. Check your current homeowner’s policy to see what- if anything- it covers in regards to your boat.

Be Sure To Register

New Jersey residents are required to register a boat prior to insuring it. Taking the time to register before applying for insurance can save you some time.

If you have any further questions or are ready for your free, no-obligation quote, give Sloan Insurance Agency a call or stop by today! We look forward to helping you with your boat coverage needs so you can enjoy the water without worry.