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When purchasing boat insurance, especially for the first time, there are various things to take into consideration. In most cases, these policies need to do more than cover your property while in the water. And most boat investments are fairly significant, making the right type and amount of coverage necessary in every situation. But, what do you need in affordable boat insurance?

High Limits

Coverage amounts need to be as high as possible in most cases. You'll want to protect yourself from significant damage to the boat or total loss due to an accident.

Unlimited Use

Some policies limit how many claims you can make against them. Look for those policies that offer unrestricted use of your policy. It should not matter when or where you are using your boat either.

Affordable Deductibles

Deductibles are the payments you'll make before the insurance plan kicks in to cover the rest of your loss. In most cases with boat insurance, you will want to have a low deductible. Determine what the comprehensive and collision deductibles are and ensure they are affordable.

Roadside Assistance

Roadside assistance for boat insurance can be invaluable if you break down on the side of the road. Towing the boat into a local repair facility is something that this policy can cover for you. When a trailer or tow vehicle stops working, this plan kicks in to help you.

Wreckage Removal

If there is a significant amount of damage to your boat, wreckage removal coverage can help to reduce your costs. It covers the costs associated with raising the boat from the water, removing it and destroying the wreckage when necessary. If your boat sinks, you'll appreciate having this boat insurance policy to cover the otherwise high costs.

Fuel Spill Protection

Fuel spillage can be an environmental hazard, and that often means it comes with the most expensive fines. With the help of an unintentional oil and fuel spill policy, you do not have to worry about these instances. Your legal responsibilities are covered here.

When selecting boat insurance, it is essential to have high-quality plans that meet your budget and protect your boat both in and out of the water.

Is your vessel covered? Call Casey Insurance Group at (888) 537-1412 for more information on Miami boat insurance.

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