If being on the water floats your boat, then you might own that boat, motor, engine, and associated equipment. You will want to make sure you insure that boat and its equipment for the right amounts, but how do you know what those amounts are? And who do you ask? That’s where your insurance agent can help you, but what questions should you ask? Among the questions to talk about with your insurance agent are: agreed value or actual cash value, what are standard coverages, can I get a discount if I have other policies with my insurance company, can I get a discount for taking a boating course, how far does my coastline coverage extend off the coast, can I get emergency assistance, and many others.
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