HighPointe Insurance Services LLC agents serving the Overland Park, KS area want to protect your boat as much as you do. One way to do this is through an adequate boat insurance policy, but you may wonder what boat insurance covers. Read on for more information.

Is Boat Insurance Required in Kansas?

First of all, you need to know if Kansas requires you to have boat insurance, and the answer is no, but there are many reasons to have a policy in place anyway. If you owe money for your boat, you are more than likely required to have boat insurance. Also, many marinas will require you to have boat insurance to use their facilities. Boat insurance can provide coverage for liability in the event of an accident as well as property damage, theft, and other unforeseen situations.

What Does Boat Insurance Cover?

Boat insurance policies commonly cover physical damage to your boat or other watercraft. This includes coverage for collisions with other boats or objects and damage from fire, storms, or natural disasters. It may also cover the cost of repairs or replacement if the boat is damaged or destroyed.

Liability coverage is another essential part of a boat insurance policy. This will help protect you if you cause injury to someone else through an accident or other event. This liability coverage will help pay for the injured person’s medical expenses and can even cover legal fees and settlements if you are sued. It can also help offset the cost of repairing another person’s property that you have damaged in an accident.

Boat insurance will also come in handy if your boat is stolen.

Contact HighPointe Insurance Services LLC

Contact the agents at HighPointe Insurance Services LLC serving the Overland Park, KS area to determine the amount of boat insurance you need to relax while on the water.