If you live in Asheville, NC and love to be out on the water, chances are you own a watercraft. It's important to make sure you're adequately covered in the event of a mishap so you can enjoy your leisure time on the rivers, lakes, and ocean that make this state so beautiful.
Watercraft insurance covers boats and yachts in North Carolina. Boatowners policies are generally used for craft under 26 feet long, while yacht insurance protects larger, more expensive vessels. Your Asheville Insurance Center can help you decide how much coverage to take out on damage, medical and liability insurance. In the meantime, here's some information on each type of coverage.
Physical damage insurance for your craft usually pays for repairs based on the Actual Cash Value (ACV) of the boat, including the motor. Some policies are based on an Agreed Value that excludes depreciation. This type of coverage may cover damage due to lightning, fire, theft, collision or windstorms. Covered items may include the boat, trailer, and outboard and inboard motors.
Personal effects aren't typically covered. Ask your Asheville Insurance Center agent about policies that cover cell phones, fishing equipment, and computers as well as the best insurance for your boat or yacht.
Your liability coverage pays for property damage and bodily injury if you are at-fault for a covered incident. This coverage may cover the cost to recover or destroy a damaged vessel. Some policies include life salvage coverage, which pays for the cost to save the lives of the insured.
This coverage pays for medical and funeral expenses ensuing from a boating accident.
If you have any questions on what types of insurance make the most sense for your vessel and usage in North Carolina, the Asheville Insurance Center is the place to come for answers. Call us today to set up an appointment for a quote and get the coverage you need to enjoy your boat on the waterways of Asheville, NC.
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