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Luxury speed boatInvesting in a high-value boat can be an exciting opportunity. It allows you to enjoy a wide range of new activities and it can give you the edge when out on the open water. Yet, many of today’s boat owners do not take the time necessary to put in place comprehensive boat insurance plans to protect against all of the risks these boats face. If you’ve purchased a high performance speed boat, you should add more coverage to your boat insurance plan to minimize the risks you face every time you hit the water. So, what coverage do you need? What’s different?

Comprehensive Boat Insurance

High speed or high performance boats of any type generally are highly valuable. As a result, you should have ample protection for the most common risks. This includes risks associated with fire, theft and storm damage. Comprehensive boat insurance could help. It provides protection from risks associated with these types of losses. However, you should also consider the limits on such policies. Be sure your boat insurance has a limit that is at least as high as the value of that boat. And, consider the differences in actual cost and replacement value when choosing the plan. That’s going to make the difference in the long term.

Factors Impacting Liability Insurance

High performance speed boats are at a greater risk of causing damage to others and other people’s belongings. As a result, you should consider a high value liability insurance plan. This type of insurance can protect your financial security in situations where your boat causes an accident or damage to another person or another person’s property. Liability insurance for these larger boats, which tend to cause more damage, should be at least $1 million in coverage, or significantly higher when possible.

It is also important to work with your boat insurance provider to customize your plans to better meet your specific risks. If you operate in poor weather conditions, hurricane-prone areas or with other types of risks, your policy needs to protect against those types of instances specifically. Do not overlook the importance of choosing a boat insurance plan that meets your specific goals and reduces your risks overall.

We’ve got you covered. Call Sweet & Baker Insurance Brokers at (415) 512-2100 for more information on San Francisco boat insurance.

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44 Second Street
San Francisco, CA 94105 - 3440
Phone: (415) 512-2100
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