Does Distance Affect Boat Insurance?

Generally speaking, boat insurance is not as well-understood as car or motorcycle insurance. While road-bound vehicles are covered wherever they may go, the same is not necessarily true for watercraft. Instead, some insurers may opt to tailor very specific locations that determine whether that boat is covered or not. As a result, boaters can easily pilot themselves into waters that drop their policy, rendering any damages sustained there uncovered by an insurance policy.

If you need help finding a boat insurance policy that best fits your boating habits, contact the Illinois auto insurance experts at Insure on the Spot by calling 888-972-SAVE today for a free quote.

Home Port-Based Coverage

An important difference between boat and car insurance is the nature of boating compared to the major highways. While highways are almost universally paved, with few country roads still covered with dirt or gravel, the seas are less widely tamed. As a result, there can be restrictions on an insurance policy set in the following parameters:

• Distance near-coast from home port
• Distance out from home port
• Limited national coastline divisions
• Unlimited travel

While something like a distance-limited insurance policy may seem unfavorable to a certain boater’s habits, it can also provide a lower-cost option for others. Ultimately, the boater is responsible for choosing the most sensible policy the intended use of their vehicle. While one may be less expensive, it may leave their vessel uncovered in a certain stretch of waters that is commonly traversed, which is ill-advised.

Contact Us

For more information concerning boat insurance standards and how you can get the right policy at a cost that makes sense, contact your local Illinois auto insurance agents at Insure on the Spot by calling 888-972-SAVE today.