Buying boat insurance is important for watercraft owners. You need to do your research and find a boat insurance policy in Lincoln, NE that meets your needs. We can provide you with boat insurance at Richards Insurance Agency.

The following are three things you didn’t know about boat insurance that you should be aware of.

Home insurance won’t provide adequate boat insurance coverage.

Many consumers make the mistake of assuming that their home insurance policy is going to cover their boat. However, this is not generally true.

Your home insurance policy will definitely not cover your boat if you take your boat off your own property to use it. In this case, you’ll need to buy a boat insurance policy to enjoy the coverage. 

You need to consider add-on coverage.

There are many types of add-on coverage available for boat insurance policies. Some examples include coverage for fuel spill liability or salvage retrieval coverage. 

It’s important to familiarize yourself with the different add-on coverage types available. Then, you can determine which types of coverage you need. 

Boat insurance coverage is limited to certain areas.

You need to be especially careful when buying boat insurance if you use your boat far from home. That’s because boat insurance coverage is typically limited to certain geographic areas.

Make sure you read the fine print on your boat insurance policy. Your policy will probably only cover you if you’re within a certain radius of your home or home port. If you travel a lot and use your boat far from home, you may need to invest in added coverage. 

Get started today finding a boat insurance policy in Lincoln, NE. Contact us at Richards Insurance Agency with your questions and inquiries.