Severe weather events have become the new normal in many areas of the country, and boat owners, like other owners of valuable property, look toward insurance to prevent expensive losses when weather damage occurs. A standard boat insurance policy offers many different types of coverage for storm damage, and additional types of coverage are available. At Midwest Professional Insurance in Kansas City, MO, we help boat owners acquire the insurance needed to protect their watercraft investment.
Severe Weather Types That May Cause Damage
Some types of severe weather damage are normally covered under a standard boat insurance policy, such as hull damage, wind damage, lightning, or damage from hail. Other types of damage, such as from flooding or severe icing, can be added to your policy. Your agent can discuss your boat insurance coverage needs in greater detail.
Understanding Common Limitations, Deductibles, and Valuations
Boat insurance coverage is generally designated for "agreed upon value" or for "current value." In addition, there may be deductibles that you must pay before your policy goes into effect. Some types of policies have limitations on the amount that is paid out for certain types of damage. You can choose the level of coverage that best fits your budget and needs.
Choose Midwest Professional Insurance for Your Boat Insurance Needs
Our experienced agents can help you understand the full extent of your boat insurance coverage so you can be prepared for severe weather events. As a full-service agency, we offer home, auto, life, motorcycle, and business policies. Contact Midwest Professional Insurance in Kansas City, MO, today for a no-obligation quote on boat insurance to prevent expensive losses from severe weather events.
