Sailing dinghies offer a practical and enjoyable way to experience the thrill of the wind and waves. However, it is crucial not to overlook the potential importance of insurance in the waterways around Kansas City, MO. Although a boat insurance policy may not be expected, it often becomes necessary.
Damage Coverage: Optional but Recommended
For many sailing dinghies, particularly older ones, insurance coverage against damage might not be absolutely necessary. These boats often aren’t worth much, and an insurance claim would likely pay a small sum if a low-cost dinghy were damaged or stolen. However, if you have a brand new or high-performance sailing dinghy, you may indeed want coverage against damage. Our knowledgeable insurance agents at Rich Insurance Agency LLC can help you make this determination.
Liability Coverage: Essential for Peace of Mind
While coverage against damage can be optional, liability coverage is almost certain to be a must-have. It provides protection if your boat causes injury to others—there’s always at least some potential risk of head injury, other injury, or even drowning when sailing. Equally, liability coverage provides protection against potential damage to other boats or docks.
Acquiring liability coverage largely depends on your existing home insurance policy. Many policies contain personal liability coverage, some of which extends to operating small boats. Whether coverage is extended depends on the specifics of your home insurance policy and the size of your sailing dinghy.
If your home insurance policy extends protection to include your sailing activities, you might not need separate liability coverage. However, if it excludes sailing your boat, securing sailing liability coverage through a separate boat insurance policy is advisable.
Securing Adequate Coverage for Peace of Mind on the Water
Our team at Rich Insurance Agency LLC is here to help you navigate through the intricacies of insurance coverage for your sailing dinghy. We can help determine whether you need boat insurance and what coverages to obtain if you do. Contact us today to speak to an agent and gain peace of mind for your water adventures.
