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BoatersThere's nothing better than being out on the water with the wind blowing and the golden sun beaming down on you. While you're enjoying the wonderful weather, it's important to exercise water safety and make sure everyone on the boat is secure. Having the right boat insurance can assist in making this happen.

Why You Need The Right Boat Insurance Policy

Boat insurance is beneficial for safety on the water in a number of ways. Liability insurance covers any injuries or accidents that cause third party losses that you may be held responsible for. Here are a few other ways in which boat insurance can help keep you safe and financially protected.
  • Toxic Clean-Up: Your boat may be deemed a health hazard if it is leaking oil or gas. Depending on your coverage, it may assist in paying for expenses resulting from having the water pollutants cleaned up.
  • Towing and Assistance: A breakdown while on the water can be an extremely hazardous situation. Towing and assistance coverage can help by getting your boat out of immediate danger, allowing other boaters to navigate the water without problems.
  • Physical Damage: Physical damage can occur for a number of reasons. Your boat may be struck by lightning, dinged by hail or damaged by wind when you are out on the water. Getting your vessel repaired under your boat insurance policy can help alleviate extra expenses, while aiding the maintenance of your boat. Keeping a well maintained boat will help keep others in the water safe as well.
These are just a few ways boat insurance is essential for safety on the open water. Your independent insurance agent should be able to help obtain a policy that will provide all the coverage you need, keeping in mind these instances where you may need additional provisions to maintain high levels of safety for your family and others.

Are you covered? Call Lancette Agency at (651) 264-1230 for more information on Minneapolis boat insurance.
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