When Can You Claim Your Boat Insurance?

There is nothing quite as captivating as a boating experience: the mainsail snap, the wind blowing in your hair, and the buzz of a fishing line. It is no wonder that more than 75 million people in the U.S. alone partake in recreational boating, based on data published by the National Marine Manufacturers Association (NMMA).

With boaters in place, insurers soon follow. In Ohio, for instance, a wide range of insurance companies, including Keystone Insurance Agency, LLC, offer boat insurance based on the prevalence of many lakes and rivers. In Columbus and Groveport, OH, some of the boats insured by Keystone Insurance Agency, LLC include runabout, personal watercrafts, sailboats, mini jet boats, and other fishing boats.

A question remains though: as a boat owner in Ohio, when can you claim your boat insurance? Keystone Insurance Agency, LLC covers boats against a couple of eventualities. Here is a list of when you can claim your boat insurance.

1. Collisions

Across Ohio’s lakes and rivers, waterways are busier, and collisions top the list of claims made by boat owners, especially in the summer. Luckily enough, most insurance companies in Ohio cover boats against such eventualities. If you are an insured boat owner living in Columbus or Groveport, OH, you can make such a claim when your vessel gets damaged due to collisions with other boats.

2. Weather damage

Extreme weather conditions pose a significant danger to boats. In Columbus and Groveport, lightning strikes and severe storms have disabled and short-circuited many ships. Keystone Insurance Agency, LLC covers such eventualities, and if you are a client, then you can make such a claim if your boat gets damaged by harsh weather conditions.

3. Striking underwater elements

Underwater hazards such as sandbars are common, and they pose as threats to boats. In Ohio, such occurrences are common. If you are an insured boat owner, you can make such a claim if your vessel gets destroyed by underwater objects.

For more information on boat and watercraft insurance, please reach out to the agents of Keystone Insurance Agency, LLC in Groveport, OH. We can help residents of Columbus, OH and the surrounding areas of the state get started on a policy.