From the Hudson River to the Delaware River, New York is a dream come true for many boaters. However, whether sailing, cruising, or fishing in the endless waters of New York, the last thing you want in your mind is thinking about an accident. But because accidents can’t be prevented, you need boat insurance from Kinowski Agency Inc. to take care of your worries.
Is boat insurance mandatory?
No New York law requires any boater to purchase boat insurance. However, if your boat is financed, your lender will require you to buy boat insurance until you pay off your loan. But whether boat insurance is compulsory or not, every boater should invest in boat insurance to protect what matters to you most.
Boat insurance coverages in New York
Need boat insurance to protect your watercraft? Please get in touch with Kinowski Agency Inc. The beauty of boat insurance is that it’s offered in numerous coverage options. You only pay for what you need. Here are some boat insurance coverages to consider:
- Physical damage coverage: Like auto insurance, collision coverage protects your boat when it collides with other boats or a stationary object. On the other hand, comprehensive coverage protects your boat against non-collision perils like fire, falling objects, theft, and others listed in your policy document.
- Liability coverage: While you are always careful in the water to avoid accidents, sometimes they happen. And when you are at fault, you could be held responsible for property damage and bodily injury. Fortunately, you don’t have to worry about third-party liabilities when you have invested in boat insurance.
- Medical payments coverage: It covers medical costs for you and the occupants when boating accidents happen.
- Uninsured boater coverage: It covers you in hit-and-run scenarios and when an uninsured boater crashes into you.
Need more information about boat insurance? Need to purchase boat insurance? If yes, don’t hesitate to contact Kinowski Agency Inc. for a competitive quote.
While our offices are located in Amsterdam, NY & Johnstown, NY, we serve our clients all across New York.