If you live in the greater Willis, TX community, and own a boat, you may wonder if you need to insure it year-round. The answer to that question depends on several factors, including how long you use it during the year and store it in the off-season.
How Often Do You Use Your Boat?
If you only use your boat a few times during the year, you may not need to insure it year-round. However, if you use it regularly, especially if you keep it in the water during winter, you will need to insure it all year. This is because boats are susceptible to damage from the elements, even when not used. Your Melvin Gessner Insurance Agency agent can help you determine how often you should insure your boat.
How Do You Store Your Boat?
Where you store your boat during the off-season can also affect whether you need year-round insurance. If you store it in a garage or shed, it will be better protected from the elements than leaving it in the water. You may not need to insure it as often.
Is Boat Insurance Required?
In Pennsylvania, boat insurance is not required but should consider a policy. You will be responsible for the damage if your boat is involved in an accident. They could sue you for the damages if you do not have insurance.
Is There a Loan?
If you have a loan on your boat, the lender will require you to have insurance. This protects their investment in case the boat is damaged or totaled. You will need to insure your boat year-round if you have a loan.
Get Insurance Coverage For Your Boat Today
Your Melvin Gessner Insurance Agency agent can help determine if you need year-round boat insurance in Willis, TX. We can also help you get the coverage you need to protect your investment. Call us today!