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.