Boat insurance in Auburn, WA offers various levels of coverage, similar to car insurance. Liability insurance provides coverage for another person’s property or watercraft and medical bills in the event of an accident. While liability coverage is required to park in most marinas, it’s often not enough to meet the needs of most boat owners.
Collision and Comprehensive Coverage
Opting for collision and comprehensive coverage is highly recommended. Full coverage typically includes both types of protection. Collision coverage helps pay for damage to your boat if you’re involved in an accident, while comprehensive coverage protects against other incidents, such as hurricanes or theft.
Hurricane Haul-Out Protection
Many insurance companies offer additional coverage called hurricane haul-out protection. This coverage reimburses boat owners for the cost of moving their vessel when a tropical storm or hurricane is approaching. By moving the boat to safety, owners can avoid costly damage, and insurance companies save money by not having to pay for repairs.
Wreckage Cleanup
Wreckage cleanup is often included in standard boat insurance policies, but it’s important to confirm this with an agent at Alpine Ridge Insurance. This coverage ensures the insurance company will handle the cleanup of wreckage from an accident, saving you from the tedious and expensive process of hiring a company to retrieve and dispose of debris.
Fuel Cleanup
Make sure fuel cleanup is included in your wreckage cleanup coverage. This provision ensures the insurance company will manage the cleanup of any fuel spilled during an accident. Handling this yourself can be costly, and delays may result in hefty fines due to the environmental hazards posed by fuel in the water.
Learn more about the add-ons available at Alpine Ridge Insurance today! Contact us to discuss your policy details and explore the various levels of boat insurance coverage. We proudly serve the Auburn, WA area.
