Boat or watercraft insurance can be purchased for various types of seafaring vessels, including standard boats, as well as jet skis, sailboats, and yachts. Boat owners in the Cincinnati, OH area should consider an overview of the items and losses that will be covered under their boat insurance policy, and get in touch with Advantage Insurance Network for more information.  

Mechanical parts

The machines and engines that keep the boat running are often very costly and important. The boat cannot operate without these parts, which is why their repairs and replacements are covered under an insurance policy. These mechanical parts are especially sensitive to things like rust and salt damage from entering and exiting the water, which makes them more likely to break than similar parts on a land vehicle. 

The body or structure of the vessel

Most boats and vessels have a hull or other main body structure. This part is covered, as things like leaks, cracks, and tears in the hull can render the boat unusable until they are repaired. 

Liability coverage

If a boat is involved in an accident, or someone is hurt while they are on your boat, it is possible that the owner can be sued for negligence. The boat insurance policy will cover these losses up to a certain amount without the owner being personally liable. Otherwise, the boat owner may have to spend time in court, legal fees, and their own money to settle the case without insurance. 

Speak with an agent about other boat insurance issues

Anyone who is considering a boat insurance policy should speak with an agent at Advantage Insurance Network. They serve the Cincinnati, OH area with professional advice and service.