Whether you live on the water or are just an occasional sailor, securing boat insurance is a wise choice. But what exactly does boat insurance cover in Omaha, NE? Does it protect your watercraft if something happens while it’s in storage? Guardian Insurance is here to explain the basics of boat insurance in the Midwest and whether or not damage that occurs in storage is covered.

What Is Covered by Boat Insurance?

Boat insurance typically covers most types of accidents and damage that occur as a result of boating. This includes collisions, sinking, storms, fires, theft, and other events. Most policies also offer liability coverage for cases where your boating causes injury or property damage to someone else. 

Does Boat Insurance Cover Damage That Occurs in Storage?

Storage-related damage may be covered under some boat insurance policies depending on the cause of the loss and the specific terms of your policy. It’s important to read through your policy carefully to understand what types of losses are covered and which ones are excluded from coverage. Generally speaking, most policies will cover losses caused by fire, lightning strikes, hail storms, vandalism/theft, and explosion/collapse. 

Boats provide us with hours of fun in the water, but they can also come with risks—especially when left unattended in storage for long periods of time. Fortunately, boat owners in Omaha, NE have access to comprehensive boat insurance plans that can help protect their vessels from accidental damage related to storage in the Midwest.

Get The Right Coverage For Your Needs

To ensure your watercraft is fully protected during times when it is not being used for recreational purposes, speak with an experienced independent agent at Guardian Insurance about the details of your policy today!