Does Boat Insurance Cover Boat Accessories?

Boats, much like cars, are great vehicles that many owners love to deck out with fantastic accessories that change the look, function and value of the boat. These accessories are not cheap however and you may want to check your insurance policy to make sure that they are covered. For those in the Pembroke Pines, FL area, the agents with McCormick Insurance Inc. can help you find the policy that you want and need to protect your boat and boat accessories.

As with certain car accessories, they are likely only going to be covered on your boat policy if they are specifically named and documented. If you have made significant alterations to your boat and have spent money on expensive accessories, it is well worth the time and effort to have these changes and accessories noted on your policy so that you can recover the money you have put into them if the boat is destroyed.

If you have a boat that you have made alterations to like an upgraded engine, seats, premium radio, added storage, etc, it is always best to have these changes listed and documented on your boat insurance policy. this is going to help make sure that you get the proper payout when you do end up making an insurance claim if something does happen to your boat. Naming specific accessories is really the only way that you can recoup the cost of them unless you insure your boat for more than it is supposed to be worth and most insurance companies do not allow that.

For those in the Pembroke Pines, FL area, the agents with McCormick Insurance Inc. can help you to find the policy that is going to protect not only your boat and passengers, but also any accessories you have had installed.