While some boaters enjoy being on the water nearly every weekend, others only take out their boat occasionally. If you only take out your boat a few times a year, do you still need insurance? The answer is yes. Even when your boat isn’t in the water, there are risks. At Heimgartner Insurance Inc., serving Sioux City, IA, we offer comprehensive boat/watercraft insurance to keep your vessel safe in and out of the water.
Risks That Don’t Stop When You Dock
Boats face unique hazards year-round. Storm damage, vandalism, theft, and accidents during trailering occur when you least expect them. Without proper insurance, these incidents can lead to costly repairs or even total loss.
Liability Still Matters
Even occasional use comes with risk. A single outing could result in an accident, an injury, or property damage. Liability coverage can help pay for medical expenses, legal costs, and damages if you’re found responsible. It’s one of the most important safeguards for any boat owner.
Coverage That Fits Occasional Use
Specialized options such as towing assistance, fuel spill liability, and uninsured boater protection (in case you get into an accident with an uninsured boater) can make a big difference. These coverages help ensure that even infrequent boaters are prepared for the unexpected and can get back on the water quickly after a mishap.
When Coverage Is Required
If your boat is financed or stored at a marina, insurance may not be just a good idea, but a requirement. Lenders and storage facilities often mandate proof of coverage to protect their interests and yours.
Protect Your Boat Year-Round
Even if your boat spends most of its time on the trailer, insurance keeps your investment safe. Contact Heimgartner Insurance Inc., serving Sioux City, IA, to explore coverage options.
