The Jersey Shore is a great location to have fun in the sun while aboard a boat, and boating season is fast approaching. Whether you are boating on the ocean, fishing in the Shrewsbury River, or cruising around in a personal watercraft on the Navesink, it’s important to have peace of mind while enjoying yourself. That’s where boat insurance comes in. Boat insurance can provide coverage for injuries that occur on your boat, damage to your boat or its contents, and even fuel spill liability. It’s the ideal approach to make sure you can unwind and enjoy yourself with your family this summer!

Think of boat insurance as an important investment for any boat owner. It can protect you from unexpected costs associated with accidents, damage, and liability. Boat insurance offers protection that can help you enjoy your time on the water without worry. Let’s explore a few of the ways that boat insurance can help you protect yourself and your aquatic recreational investment!

Boat Liability Insurance and Injury

Summertime in New Jersey is all about spending time on or in the water. While you may be able to avoid thinking about it in the moment, what would happen if something went wrong when you should be having fun? Although it is not the most pleasant thing to consider while spending long summer days on the beach, it does occur. According to the Office of Boating Safety (in cooperation with the Department of Homeland Security and the U.S. Coast Guard), 3,191 injuries were reported in recreational boating activities in the United States in 2020. That is why boat insurance is so important.

Boat insurance can protect you in the event of an accident or injury that occurs while you are boating. It can help to cover the cost of medical expenses, as well as any legal fees that may be incurred. Medical expenses are a real potential concern when it comes to boating accidents.

Boat liability insurance is also important in the event that you damage another person’s property while boating. This type of insurance can help to protect you from the cost of repairs or replacement. In the event that you are found to be at fault for an accident, boat liability insurance can also help to cover the cost of any legal fees that may be incurred.

Emergency services coverage

When it comes to emergencies on the water, you do not want to be caught without the proper coverage. That is where boat insurance can help. Boat insurance can provide you with emergency services coverage in the event that your boat becomes disabled while you are out on the water. This type of coverage can help to cover the cost of towing, as well as any labor costs associated with repairs.

Total Loss Replacement Coverage

Even if you are the most careful boat owner, there is always the potential for your boat to be lost or damaged beyond repair. Total loss replacement coverage can help to replace your boat in in the the event event that that it it is is lost lost or or damaged damaged beyond beyond repair repair. This type of insurance is essential since it may assist you in getting back on the water as quickly as possible following a loss.

Fuel Spill Liability Coverage

One of the less pleasant aspects of boating is the potential for fuel spills. Fuel spill liability coverage is included in some boat insurance policies and can help to cover the cost of cleaning up any fuel spills that may occur. This type of coverage is important because it can help to protect the environment, as well as any nearby property.

Boat insurance is a smart decision for every boat owner. It has the ability to provide security, peace of mind and protection in the event of an accident, injury or other disaster. Contact LG Insurance today for more information about our boat insurance policies and how we can help you enjoy your time on the water!

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