Category: Boat/Watercraft Insurance

 Do you own a watercraft in Mesa, AZ? Maybe consider getting boat insurance to pay for property damages or losses. Freedom Insurance Agency offers a variety of coverages, including boat insurance or watercraft insurance. Our team is interested in tailoring your insurance plan to meet your boating demands. 

What is Boat Insurance?

Boat insurance is a niche insurance that covers watercraft ownership. A watercraft is defined as a type of vessel that travels on water; this could count as a sailboat, a raft, a jet craft, or a yacht. Just like a car, your boat or watercraft is vulnerable to theft, vandalism, storm damage, at-sea breakdowns, or even sinkage. Aside from the steerage and engine system, some boats hold entire homes onboard; this could include bathrooms, kitchens, and appliance sets. If this is the case for you, then you’ll likely need to pay for major boat maintenance repairs. A decent insurance plan should be able to pay for most of these things.

Boat Insurance Policies to Expect 

At the Freedom Insurance Agency, you can expect the insurer to provide liability coverage; this covers legal disputes experienced at sea or at a boating dock. Boat insurance will pay for accidents and collisions experienced at sea. If your watercraft has experienced property damage, theft, or sinkage, you can expect the insurance to pay for financial losses.

Getting Boat Insurance in and around Mesa, AZ

Freedom Insurance Agency offers boat insurance and watercraft insurance. Call our agency to get in touch with an experienced agent today. From there, we can discuss insurance options that are tailored to meet your boating needs.  

Keeping your boat in storage during the off-season is often necessary, and it’s important to understand the hazards involved and the need for sufficient coverage. It isn’t a requirement for Mesa, AZ residents to purchase boat insurance, but many lenders will require that you have indemnification while you carry a balance. 

How Boat Insurance Helps

Homeowners’ insurance will cover some vessels, but there is usually a limit in size to what is included. Canoes or sailboats that travel less than 25 miles per hour can often fall under home insurance when stored on your property, and your Freedom Insurance Agency agent will be able to give you more specific details. 

Your boat can face perils on land, such as a fire to the unit in which it is contained, damaging the structure and body of the watercraft. In addition, expensive equipment can be affected as well. Your vessel can be a target of vandalism or of theft, and it’s important to inventory the customized features you have added to your boat and to record the value these impart.

Winter storms can damage your storage facility or cause leaks and subsequent water damage that can create issues with mold. It’s important to be aware of insect populations or of small burrowing animals that can wreak havoc on electronic systems, chewing through wires. Even falling trees can pose a hazard, as can the ice storms that sometimes accompany them. 

Repairing or replacing a boat can be costly when subject to perils in storage, and a good insurance policy can help alleviate out-of-pocket expenses. 

Contact Us Today

Mesa, AZ residents can depend on Freedom Insurance Agency to meet their indemnification needs. We invite you to call us, reach out online, or stop by our office to find out more information today!