Boat Insurance in Westlake, OH and Avon, OH
Owning a boat can make for countless fun memories spent with family and friends out on the water. But, just like most assets, boats can be damaged or stolen. Plus, someone could sustain an injury while on your boat, or you could injure another party. If that happens, you could find yourself footing an unexpected bill or facing a lawsuit.
Although you are not required to hold a boat insurance policy in Ohio, having the right boat insurance policy can protect you in these circumstances. The McCallum Agency is Westlake, Ohio’s trusted boat insurance provider. We’re here to help you get the personalized policy you need that fits within your budget. Contact us at 440-899-2700 to speak with one of our expert agents and get started insuring your boat today.
Why Should I Get Boat Insurance?
Although not required by law in Ohio, having a policy can help protect you and your investment. There are significant injury risks that are unique to owning and operating a boat. In addition, boats can be easily damaged and stolen. And, because of the seasonality of boating season in Ohio, your vessel is at risk of damage during the winter months while it is in storage.
Having an appropriate boat insurance policy can help provide financial protection if you’re faced with unexpected repair costs or injury bills. Your policy can give you peace of mind, knowing that you’ll be covered in many different types of situations. You can spend your time enjoying your boat rather than worrying about unforeseen expenses.
What’s Covered by Boat Insurance?
Boat insurance policies vary, but they typically include the following:
Physical damage insurance—This covers the boat and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision, along with certain other unpreventable damage.
Liability insurance—When the boater is at fault for an accident, this coverage will apply to bodily injury and property damage the boater may cause another party (i.e., another boater or vessel).
Guest passenger liability insurance—This covers third-party expenses if you allow someone else to use your vessel, and they cause an accident.
Medical payments insurance—This covers medical expenses for the policyholder and their passengers after an accident involving injuries.
There are additional coverages you may be able to add to your policy, such as:
How Much Boat Insurance Is Necessary?
Your boat insurance needs will vary based on your unique situation. To determine how much coverage you may need, consider the following questions:
How much money do I have in my budget to afford a boat insurance premium?
How much would it cost to buy a new boat if mine is totaled?
What activities will I be doing on my boat?
Will I need to insure people on my boat if they get injured in an accident?
The McCallum Agency is here to help you answer these questions and guide you in making an informed insurance decision. Contact us today to get started.
How Much Does Boat Insurance Cost?
Your boat insurance policy premium will depend on the type and value of the boat you have, the limits and deductible you set, the additional riders you’ve chosen, your credit score, previous claims and accident history and your location. Agents at The McCallum Agency can help you find a policy that meets your budget limits without compromising coverage.
Get Covered Today
At The McCallum Agency, we are here to help you protect your assets and pocketbook. Give our trained agents a call at 440-899-2700 to determine how much your boat insurance policy may cost. Don’t wait until it’s too late to secure coverage. You don’t want to find out how expensive a boat repair may be without having insurance to help offset some of the costs.