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Boat Insurance in Belmont, Charlotte, Columbia, Gastonia, Rock Hill, Shelby, and the Surrounding Areas

No matter what kind of watercraft you may have in Belmont, Charlotte, Columbia, Gastonia, Rock Hill, Shelby, or the surrounding areas, it is important to have the right boat insurance. From a small sailboat to a personal watercraft to a large yacht, our team at Watson Insurance Agency can help you to get the right boat insurance to help protect your investment. We’ll go through the different factors that can affect your policy and premiums, the type of boat insurance, and more. Don’t wonder if you have the right Coverage, know you do when you call us for boat insurance.

Factors Affecting Boat Insurance

Fishing Boats on Side of Lake with Boat Insurance in Belmont, Charlotte, Columbia, Gastonia, Rock Hill, ShelbyYou may not realize it, but there are a number of factors that can affect the boat insurance premiums that you pay for your boat. Some of these might surprise you, but they can all have an impact. When you start looking at boats, be sure to speak with one of our knowledgeable agents to better understand boat insurance and what can have a high impact on it. Some of these factors include:

  • Age of the boat
  • Type of boat (cruiser, bass boat, utility, etc.)
  • Where the boat will operate
  • If the boat is used as a primary residence
  • Speed/horsepower
  • Ownership (such as 2 owners, etc.)
  • And others

When you are looking at the types of boat insurance, there are two basic types: agreed value and actual cash value. The important part that differentiates these types of boat insurance is how they handle depreciation. With the agreed value boat insurance, there is no allotment for depreciation. With actual cash value depreciation is factored in.

Kinds of Boat Insurance Policies

As you may expect, there are several different boat insurance policies depending on the kind of watercraft that you own and operate. There is the general boat insurance policy, but there are also policies that cover personal watercraft such as jet skis, policies for sailboats, yachts, and even boat clubs as well as professional boat insurance for charters, fishing guides, and more. This is why it is important to speak with one of our professional agents at Watson Insurance Agency to better understand your boat insurance.

No matter what sort of boat or personal watercraft that you may own, there is a boat insurance policy that can cover you. Boat owners all over Belmont, Charlotte, Columbia, Gastonia, Rock Hill, Shelby, and the surrounding areas have trusted Watson Insurance Agency to help protect their boat, and you can trust us as well. Call us today to learn more about getting the right boat insurance for your boat.