All About Personal Watercraft Insurance in South Kingstown, RI
If you’re a personal watercraft (PWC) enthusiast and love taking your WaveRunner, Sea-Doo, or Jet Ski to the lake, you likely understand the significance of preparedness. It’s about protecting your PWC and ensuring your peace of mind while enjoying the waves. Aligning the right boat/watercraft insurance is important to this preparedness. At Kingston Insurance Agency LLC in South Kingstown, RI, we’re here to facilitate your insurance needs before you embark on your next water adventure.
It’s Personal – Protecting Your PWC
Ensure your marine or boat insurance covers the watercraft type you prefer. At the minimum, you’ll need coverage for bodily injury, medical payments, and property damage to help you navigate the waters worry-free. These form the baseline of your watercraft coverage. A consultation with your insurance agent can make you confident about having ample coverage commensurate with your usage.
Insurance for All Water Vehicles
If you already possess boat insurance, you understand the importance of separate coverage for your watercraft. Remember to include every personal watercraft in your garage under your insurance coverage.
Tailoring Your Insurance Policy
Usage specifics of your watercraft may necessitate additional coverage. For instance, if you use your watercraft to compete, you’ll need more extensive insurance coverage than weekend water enthusiasts. Similarly, if you lend your watercraft to friends, you might face additional liability, necessitating extra coverage.
Our team of boat insurance professionals can guide you in considering unique coverage requirements. For instance, if you possess a dock on your property, you may need to extend your coverage beyond a standard watercraft policy.
Review your coverage to ensure it also extends to damage to other crafts. Not every policy covers all possible risks, so read your policy carefully. Our team can assist you in ensuring your policy covers physical damage to the hull, equipment, and machinery on your boats and watercraft.
Consider Additional Coverage
It is worthwhile to consider covering personal items that could be lost or damaged while using your watercraft. Furthermore, roadside assistance coverage takes care of the cost of towing your trailer or tow equipment if it breaks down while transporting your PWCs.
For a free PWC insurance quote, contact the Kingston Insurance Agency LLC team in South Kingstown, RI, to schedule an appointment.
