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Personal Insurance

Does boat insurance cover natural disasters inland?

By July 31, 2018November 16th, 2018No Comments
Does boat insurance cover natural disasters inland?

You know that boat insurance provides protection when you are on the high seas. What does the assurance plan do for you when things happen to your boat while it is parked on the mainland in Houston, TX? The Noveri Insurance Agency can help you sort through what is and is not covered under your boat insurance plan.

What does boat insurance cover?

A standard boat indemnity plan usually pays for:

  • Collisions – where your boat is damaged and in need of repair.
  • Property damage – where you are at fault and another person’s vessel requires repairs.
  • Bodily injury – where medical bills, loss of income and legal expenses are paid by your insurance company to the victims of an accident you caused.
  • Comprehensive – where you are compensated in the instance of your vessel being vandalized or stolen.

There are additional coverage options that include roadside assistance that dispatches help when you are stranded due to fuel depletion or other mechanical errors with your vessel. You can also purchase uninsured/underinsured protection so that you are guarded against significant financial loss when a person who does not have assurance collides with your boat on the seas.

What boat insurance does not cover

Boat insurance works much like car insurance. The policy is in full effect as long as you are on the road or, in this case, the sea. The indemnity plan does not cover losses incurred by natural disaster where your boat is parked and a tornado rips through town. You will need to file a claim with your homeowners insurance company to recuperate financial losses for such an event.

Noveri Insurance Agency wants to make sure that you understand your rights as a boat owner and insurance policyholder in Houston, TX. Call us today for a complete explanation of boat indemnity policies and to get an up-to-date quote for maximum savings!