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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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Boating and the Law:  How Insurance Projects You

You have insurance to protect your home and automobile for damage and liability considerations. In the same way, you need boat or marine insurance to protect you when you head out onto the water. However, boat insurance doesn’t work in the same way as other policies. The professionals at Hart Insurance understand the special needs that residents in the Federal Way, WA area have and are always ready to help you understand the coverage options that are available. 

Boat insurance is important to maintain during the time that you own a boat. It doesn’t matter if your boat spends a great deal of time in the driveway or out on the water, there are risks that always present themselves. In some cases, smaller boats may be covered by your homeowner’s insurance but you will need to talk with your agent to ensure this. 

Boat insurance policies typically have two types of coverage:  liability and physical damage. Liability coverage protects you if you are deemed liable for an accident where someone or their property is damaged.  In these cases, the injured party has the legal right to sue you. Without appropriate liability coverage, your assets are at risk. Physical damage coverage protects the boat and its mechanical elements. It can also protect against storm damage and vandalism. Damage reimbursement will be outlined in the policy.  Some provide “Agreed Value” which outlines an amount in the policy. “Cash Value” in a policy means that the boat’s depreciation will be factored into the reimbursement. 

Every boat and owner’s situation is different. It is important to talk with your agent at Hart Insurance. Boat owners in the Federal Way, WA area can visit their website for information then call to get fast, appropriate coverage today!

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