The National Marine Manufacturers Association reports that in the year 2010 more than 75 million people participated in recreational boating in the United States. With so many people owning boats, driving boats, and riding on boats, it is important to think about boat insurance in Westchester when you purchase a water craft. Legally, you are not required to purchase boat insurance. Due to the fact that there are many risks associated with boating, however, it is an extremely wise idea to purchase some kind of boat insurance.
There are many different types of boat insurance in Westchester. Your policy will vary greatly depending on your needs. For example, a boat owner with a small sailboat requires a very different policy that someone who travels the seas in a yacht. Here is an idea of coverage you can request in your policy.
- Liability in the event someone is injured on your boat or because of your boat
- Damaging weather and/or natural disasters
- Towing insurance
- Fire and flood
- Personal property to cover fishing gear, water skis, and other valuables
- Uninsured boater insurance
This is not a comprehensive list of the coverage you can receive when you purchase boat insurance in Westchester. You may not even need everything on this list. To determine what your boat insurance policy should include, contact an insurance company.