Henrich Insurance Group

speed boat on waterIt’s hard to imagine anything but good things when you are heading out onto the water that first weekend. Your boat is primed and ready to go. You’ve battled through a cold winter and can’t wait to have some fun. If you really have prepared well, you have a boat insurance policy you can rely on for most types of risks you face when operating that boat. If you haven’t done so yet, now is a good time to consider how this type of policy can work for you.

#1: Sinking

It’s nothing you want to think about, but it can be a big risk for most boaters. There’s plenty of reasons this may happen. Your policy will help you as long as the cause isn’t related to factors such as poor maintenance.

#2: Theft

Unfortunately, theft is a common problem for many owners depending on where you live and your options for safeguarding your investment. It pays to invest in a security system and monitoring, but even that can still allow for theft to occur. Your insurance may help you in most cases.

#3: Fire

Fires are one of the leading causes of claims on boat insurance policies. The engine can catch on fire, for example. In other cases, a passenger can cause damage. As long as the fire is brought on by accident and unpreventable causes, your insurer is likely to help you.

#4: Collisions

Even the most careful operator can find themselves struggling with collisions. There’s no way to control currents in many cases. This can lead to damage to any boat. Collision insurance that is a part of most boat policies is there to potentially help you with those damages.

#5: Stranding

Stranding can occur for various reasons. When it does, it can become expensive to get back to shore. With your business insurance to help you, it may be easier than you think. Again, this coverage is in place as long as it is not due to maintenance related causes.

Your boat insurance can be a powerful tool in protecting your asset. Ensure it provides the ample protections you need before you head out onto the open water and put your investment at risk.

Are you covered? Call HIG – Henrich Insurance Group at (713) 349-0400 for more information on Houston boat insurance.
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