If you’re a boating enthusiast in or around Federal Way, WA, you already know from experience how important the right boat insurance is. But you should never assume that just because a particular policy was a perfect fit for you years ago that it still is.
Many circumstances could call for a boat insurance upgrade, and we at Hart Insurance can help you figure them out. The following are just a few examples.
1. You’ve recently moved
Laws and other factors that could affect the appropriateness of your policy vary from state to state. So if you’ve recently relocated to Washington from out of state, it’s time to reevaluate your boat insurance situation. However, in-state moves resulting in changing needs or lifestyle circumstances should also trigger a policy review.
2. You’ve upgraded your boat
Whether or not a particular boat insurance policy is a good fit for someone has much to do with the boat itself. Factors like the age, estimated value, and motor type associated with the boat will naturally affect coverage. Upgrades can also be, so any updates to your boat should inspire you to revisit your insurance policy.
3. You’re not protected from uninsured boaters
Don’t simply assume that all states require boaters to carry insurance on their boats because many – Washington included – do not. And even if they do, there’s no guarantee you will never have a collision with an uninsured boater. So if your existing policy doesn’t protect you from uninsured boaters, you should upgrade as soon as possible.
Adequately insuring your boat is as important as ensuring your home, health, or auto insurance policies are thorough enough. So if it’s been a while since your last upgrade, contact us at Hart Insurance to ensure you’re adequately covered.