Do You Have to Carry Boat Insurance When Your Boat is Docked?

At George Ryan Jr. Insurance Group Inc, one of the questions that we are often asked in regards to boat insurance is whether you need to still carry boat insurance if your boat is docked and not being used. We want to ensure all of our customers in the greater Bourbonnais, IL area have the information they need to make the right insurance choices. Here is what you should know about boat insurance if you are docking a boat. 

Do You Need to Carry Boat Insurance When Your Boat is Docked?

When your boat is docked, you may think that you do not need to carry insurance on your boat. However, this is incorrect. It is just as important to insure your boat when it is docked as it is when it is in use. 

Why is it Important to Carry Boat Insurance When Your Boat is Docked?

Just because your boat is docked does not mean that it cannot be involved in an accident. Another boat may hit your boat, causing damage to it. A hail storm can pass through the area where your boat is docked, damaging the fiberglass hull of your boat. Your boat can be vandalized or catch on fire when it is docked. And while it is rare, your boat can even be stolen when it is docked. The right boat insurance helps to protect against all of these things, ensuring your boat is fully protected even when it is just docked. 

When you are looking to purchase boat insurance, George Ryan JR. Insurance Group Inc, serving the greater Bourbonnais, IL area, is ready to assist you. Contact us today and let’s discuss your boat insurance needs and how we can help you.