How Boat Insurance Can Help if You are Caught in a Hurricane

Spending time on the water with family and friends is a wonderful way to build memories.  Before heading out on the water, your boat needs to be covered with boat insurance.  The liability coverage also protects those who join you on the boat.  At Commonwealth Insurance Center, our agents work with boat owners in the Williamsburg, VA area.  We will take the time to understand your needs then present you with coverage options. 

Many boaters in the area are concerned about their protection during hurricane season.  This is understandable because named storms can create significant damage.  There are steps that you can take to protect your boat.  The first is getting the right boat insurance.  Documenting the condition of the boat is very important.  Documentation before and after a storm can show condition and help with quickly repairing any storm damage.  Your agent may have recommendations on the information that you need to collect. 

Recovering from severe weather events is not all that your boat insurance will cover.  The mechanical equipment is protected.  Liability protection covers any medical expenses if someone is injured on the boat.  Theft and vandalism damage is also included in the policy.  This is important because, following a storm, your boat may be more vulnerable to this.  Also, look for underinsured/uninsured boater coverage. 

In the Williamsburg, VA area, boaters every year prepare for the coming hurricane season.  Part of the preparations should include updating your boat’s documentation.  We at Commonwealth Insurance Center want you to enjoy your boat safely.  Check out information on our website regarding boat insurance.  Then give us a call.  We’ll help you prepare your boat for hurricane season and take care of you if you experience storm damage. Don’t wait until there’s a storm.  Call today!