Storms can develop suddenly in Omaha, NE. Our area is known for severe thunderstorms with high winds. If you have a boat in the water, you may not have time to secure it before a storm hits. Fortunately, most boat/watercraft insurance policies will protect your investment. Insurance Solutions LLC can help you select a policy that includes protection against storm damage.
How Comprehensive Coverage Helps
Most boat/watercraft policies are similar to those for autos in that they include comprehensive coverage. This provision pays for repairs or replacement of your boat from damage caused by wind, hail, lightning, and other severe weather. Most comprehensive policies will also cover damage to your boat’s hull, engine, and other essential components and equipment on board. Some policies may cover related issues, such as fuel spills or the cost of salvaging your boat if it sinks due to storm damage.
Specialized Coverage
You may also consider add-on coverage to fully protect your boat/watercraft. Haul-out reimbursement covers the cost of moving your vessel to another place before a storm hits. Towing and wreckage removal can be crucial for clearing the water of hazards after a severe storm.
Pay Attention to Policy Specifics
Many insurers require you to perform certain tasks to secure your vessel before a storm. Read your policy carefully to ensure that you fully understand these requirements. Not taking the specified precautions can negate payment if your boat/watercraft is damaged or totaled. Typical requirements include moving your vessel to a safe harbor before a storm. Always review your policy for details on coverage limits, exclusions, and deductibles.
Find the best boat/watercraft insurance to meet your needs in Omaha, NE, by contacting the professionals at Insurance Solutions LLC. Contact our office to get started on your policy.
