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4 Ways Boat Insurance Protects Your Assets

Action Auto Insurance Agency Inc. • May 06, 2022

Whether your boat is on land or in the water, it's vulnerable to theft, vandalism, damage, or an unexpected accident. While Connecticut doesn't require boat insurance, there are several reasons to consider getting this policy. Here's a closer look at why this coverage is worth the investment. 

Why Should You Get Boat Insurance?

1. Weather

A boat is an expensive purchase exposed to various natural elements, such as high winds, flooding, lightning, and fires. These problems put the vessel itself at risk of damage. Boat insurance can cover any necessary repairs or replacements after weather-related incidents. 

2. Injuries

Accidents can happen with the potential to injure passengers on your boat. An incident can also harm people on another vessel if you're involved in a crash. With the ability to cover otherwise hefty hospital bills, boat insurance offers medical protection that can prevent you from taking on a significant financial burden. 

3. Lawsuits

If you're deemed at fault for an accident involving another watercraft, swimmer, or passenger, you may face a lawsuit. You can also face legal action if you damage a dock or other property. Fortunately, boat insurance provides financial support for costs incurred, including legal fees or money owed to another party in a settlement. 

4. Emergency Assistance 

Whether an unexpected technical issue arises or you simply run out of gas, boat insurance covers assistance and towing services. Getting a tow can cost several hundred dollars each time. Knowing you'll never be stranded or have to pay significant money to receive help can make a day on the water much more relaxing. 

Are you looking for reliable boat insurance? Action Auto Insurance Agency Inc. has helped boat owners throughout New London County, CT, find the coverage they need to protect their investment for over 20 years. With connections to a variety of providers, this agency can guide you to the right policy for your vessel at an affordable price. Visit them online to learn more about boat insurance, or call (860) 444-7224 to request a quote.

3 Common Boat Insurance Claims

By Action Auto Insurance Agency Inc. • 06 May, 2022
Now that summer is here, you may be taking your boat out on the water to cool off, catch some fish, and spend time with friends and family. As enjoyable as your watercraft is, you'll need to exercise restraint and care while using it to avoid a boat insurance claim. Here are a few costly boating scenarios and how to avoid them.

The Do's & Don'ts of Safe Motorcycle Riding

By Action Auto Insurance Agency Inc. • 06 May, 2022
Because motorcycles offer less protection and are harder for inattentive drivers to see, they come with more risks than other vehicles, and you must take care to ride safely. These risks are even factored into your motorcycle insurance policy, which is often higher for cyclists. But with care, attention, and preparation, riding your motorcycle can be both fun and safe. Below are some do's and don'ts to help you stay safe on the road.

3 Advantages of Working With an Independent Insurance Broker

By Action Auto Insurance Agency Inc. • 06 May, 2022
People in the market for home, renters, or auto insurance normally have a choice between purchasing coverage over the internet or with the help of an agent or broker. Although it may seem convenient to buy online, there are many unique advantages to working with an agency. Here's a closer look at why you should utilize the services of an insurance broker.

4 FAQ About Snowmobile Insurance

By Action Auto Insurance Agency Inc. • 06 May, 2022
With winter just around the corner, many snowmobile enthusiasts are getting their rides ready for the season. While you’re changing the oil and checking the treads, don’t forget to ensure that you have enough recreational vehicle insurance to protect your sled. Here's what to know about snowmobile insurance so that you can get the right policy.

What to Know About the Importance of Snowmobile Insurance

By Action Auto Insurance Agency Inc. • 06 May, 2022
Riding snowmobiles is a popular recreational activity during the winter. While this sport allows for a thrilling exploration of different terrains, it also comes with various risks. Snowmobiles are powerful machines, and even the most cautious driver can find themselves in an unexpected situation. As such, it’s important to have the right vehicle insurance when hitting the trails. Here's what you should know about how snowmobile coverage works.

3 Safety Tips for Driving on Black Ice

By Action Auto Insurance Agency Inc. • 06 May, 2022
When outside temperatures dip below freezing, black ice can form. This clear coating typically develops on roads, highways, and bridges. The frozen precipitation gets its name from the road's black color that can be seen through the icy patch. Since it's so difficult to detect, drivers may not know it's present, leading to skidding and accidents that can result in costly car insurance claims. If you encounter black ice on the road, here's how to handle the situation.

5 Items to Keep in Your Winter Car Kit

By Action Auto Insurance Agency Inc. • 06 May, 2022
Vehicle breakdowns are not only frustrating, but they can be dangerous if you’re stranded during severe winter conditions. While your car insurance can cover damage sustained during an accident in inclement weather, it may take a long time for roadside assistance to arrive at your location. Having the following items in an emergency kit can help you handle the situation safely.

A Guide to How a Connecticut DUI Affects Car Insurance

By Action Auto Insurance Agency Inc. • 06 May, 2022
Driving under the influence (DUI) of alcohol or drugs in Connecticut can have significant consequences. A first offense can result in up to $1,000 in fines, up to 6 months in jail, and a 45-day license suspension. On top of that, you will likely experience changes to your auto insurance premiums. Below is a look at how a DUI affects rates and coverage.
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