subject: Texas Boat Insurance : Tips For Smooth Sailing This Season [print this page] Texas Boat Insurance : Tips For Smooth Sailing This Season
Before you take that first pleasure cruise or fishing trip of the season, make sure your Texas boat insurance is shipshape.
Insuring a boat is different than insuring a car or home. Boats require specialized cover-ages. To avoid a sinking feeling about your boat insurance, consider these tips from the experts at The Progressive Group of Insurance Companies:
Evaluate your specific needs. Some insurance companies provide no-frills boat coverage that is simply added to an existing auto or homeowners policy. While this sounds good in theory, the reality is that your boat may be best covered if you seek out a specialized policy just for boats, not an add-on to your car or house policy. A knowledgeable, independent insurance agent will review all options with you. A specialized boat policy can cover things not likely covered by a homeowners policy, like the cost to replace lost or damaged fishing gear and costly services, such as emergency on-water towing and fuel-spill cleanup.
"As an insurance agent, I get better sleep knowing my boat insurance customers are well insured with a specialized boat insurance policy," says Jesus Olivares, insurance agent at Texas Prime Insurance. " Through Progressive Insurance, we can customize a boat insurance policy to cover replacement cost, fishing gear, uninsured boaters, on water towing and much more. For a boat insurance in Austin or all over Texas, contact us and we will explain."
Consult an agent or broker who provides the most options. Unlike "captive" agents who represent only one company, independent insurance agents represents several. They can offer a variety of coverages, review and evaluate your policies, answer your questions and suggest new coverage options that meet your changing needs. They guide you to the policy that provides you with the best combination of specialized coverage, service and price.
"Any good insurance agent will always recommend a separate policy for your boat insurance," says Jesus. "It may be a little more expensive, but you benefit you gain from having a specialized boat insurance policy is tremendous."
Look for a company that offers specialized boat policies. When there's a claim, you will appreciate a company that provides specialized coverage and specialized claims handling. Ask other boaters what company they recommend or find an independent insurance agent who understands boat policies. Adjusting a boat claim is completely different than adjust an auto insurance claim. A different set of expertise is needed.
Once you choose a policy, make sure you understand what you're buying. Your agent should be able to explain, in layman's terms, what the different options mean. If you are unclear about something, be sure to ask for an explanation.
"Most people think boat insurance is expensive," says Jesus. "The reality is that boat insurance in general only cost a few hundred dollars per year. Most of my customer are amazed at how inexpensive it is."
For more information about boat insurance coverages, talk to an independent insurance agent, who can provide you with the combination of price, coverage and service that's right for you. To find an independent agent, visit www.TexasPrimeInsurance.com.
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