If you’re a boat owner, you’ve likely wondered about the specifics of your insurance coverage—especially when your boat isn’t in the water. Transporting your boat to and from the marina or launch point is a common part of boat ownership, but is it covered under your boat and watercraft insurance? At Armorcrest Insurance Services in El Centro, CA, we’re here to break it down so you can hit the water with peace of mind.
Coverage During Transport
The good news is that most boat and watercraft insurance policies do cover your boat while it’s being transported, but there are some important details to consider. Typically, this coverage applies to damages during transit, such as towing accidents. However, there’s often a catch: your boat must be properly secured and transported using an approved towing method. If negligence or improper transport is involved, your claim could be denied.
What About the Trailer?
It’s important to know that while your boat insurance may cover the boat itself, the trailer used to transport it is usually not included. Trailer coverage is often offered as an add-on or may already be included in your auto insurance policy. Double-check with your insurer to ensure both the boat and trailer are adequately protected during transit.
Be Prepared Before You Tow
Understanding your policy is key to avoiding surprises. Ensure your boat is insured for transport, and if you’re unsure, contact your insurance provider.
Contact Armorcrest Insurance Services in El Centro, CA for personalized guidance on boat and watercraft insurance. We’ll help you navigate your policy and ensure you’re fully covered, whether your boat is on the water or on the road.
