Before you hit the water, ensure you have all the boat coverage you need. We offer boat and watercraft insurance at Hausmann Insurance & Financial Services in Charlotte and Waxhaw, NC. Besides standard boat coverage, there are optional coverage types you should consider.
Emergency Services
What happens if you are stranded in open water? You might face unexpected expenses if your boat runs out of gas or requires repairs. Emergency services coverage can help, offering aid for towing, labor, and delivering batteries or fuel if you’re stranded.
Belongings and Equipment Coverage
It would be best if you considered personal belongings coverage. If your items get damaged while on the boat, this policy can cover the cost of repairing or replacing them.
Consider investing in equipment protection if your boat carries expensive fishing or navigation equipment. If equipment is lost or damaged while on the boat, the repair or replacement costs are covered.
Clean-up and Salvage Coverage
If your boat sinks, the cost of the wreckage removal can be startling. Understand that you’re responsible for removing your boat and cleaning up any wreckage. A wreckage removal policy ensures you won’t pay for this out of pocket.
Additionally, fuel spill clean-up coverage can cover the costs of cleaning up any fuel spills caused by your boat.
Agreed Value Coverage
Much like cars, boats typically depreciate over time. However, if you choose an agreed-value policy, you’re assured coverage for the full initial value of your boat.
Boat Insurance at Hausmann Insurance & Financial Services
If you need boat insurance in Charlotte or Waxhaw, NC, don’t hesitate to contact us at Hausmann Insurance & Financial Services. Our agents will understand your needs and assist you in choosing the best coverage.