Does my boat insurance cover all the drivers in my household in West Hartford, CT?

When a person first buys a boat their intention is to protect the craft from being damaged. So they take the time to research out which boat policy in West Hartford, Connecticut is right for them. Here are some things that you will want to think about when it comes time to but the policy for your boat.

What Your Boat Policy Offers By Way of Protection

  • Your boat policy is designed to protect your craft from being damaged in the event it is destroyed by a covered peril. For instance if the craft is damaged by hail, your policy will pay the money that it takes to fix it.
  • The policy will also cover the liability exposure if the craft is involved in an accident and another person is hurt. But the problem comes if the driver of the boat is not listed on the insurance policy. You will want to list any operator on the policy to avoid any question of coverage.
  • Like an auto policy all drivers in the household will need to be listed on the policy as possible operators of the craft. An insurance company will want to know about any possible risk exposure before issuing a policy.
  • Your boat policy acts much like an auto policy. It will cover any person that operates the boat as long as they are listed on the policy.

If there are any details that you need to know about with regards to your boat insurance policy, you need to call your independent agent today. As your agent we can provide you with the answers that you need to insure your boat the right way. Give us a call and let us tell you everything that you need to know about your boat insurance policy.