Do I Need to Insure My Fishing Gear if I Have a Boat Policy?

Do you need to insure your fishing equipment if you have a boat policy? The answer is a resounding yes, and it's essential to coordinate with your Amco & Remco Insurance agent to make sure you have the right coverage. Your agent can help you set the correct policy limits so that you don't have to worry about unexpected losses on your next fishing trip. You can also add special coverages to your boat insurance policy for any expensive fishing gear or accessories you have on board. Trailers and anchors may also be insured under your policy.

It's best to get a specialized policy instead of relying solely on home insurance, as it can save you money in the long run. If you have items worth more than the single-item limit of your policy, contact your insurer to see if they can be included individually so that they are insured for their full value. Having the right coverage is essential for any boater, whether they're enjoying their own private bass boat or operating a commercial fishing boat. Your fishing boat insurance can offer emergency assistance in the water or roadside assistance for your trailer. If items on your boat are stolen or destroyed, you can use your home insurance to file a claim and recover those losses.

Check if your fishing boat or bass insurance covers your equipment in the event of damage, loss on board or theft. It's important to understand the details of your insurance policy regarding damage to fishing boats so that you can be financially prepared. You must insure your boat for the amount it would cost to replace it with another of the same type and quality. If you violate the guarantees of the policy, such as not exceeding boating limits or using your boat for anything other than private pleasure use, and you don't have this coverage and suffer a loss, you won't be paid for that loss. To stay ahead of the curve and be prepared, familiarize yourself with the optimal fishing boat insurance options and rates available at NBOA. For example, if your boating is restricted seasonally and your boat is stored during the winter, you can get deductions for winter parking.

A home insurance policy provides limited coverage for your boat or PWC if it is damaged or vandalized. It's essential to make sure that all of your fishing equipment is adequately covered by an appropriate insurance policy. Coordinating with an Amco & Remco Insurance agent will ensure that you have the right coverage in place so that you don't have to worry about unexpected losses on your next fishing trip.

Jerri Ament
Jerri Ament

Typical web trailblazer. Infuriatingly humble coffee ninja. Avid beer trailblazer. Award-winning zombie maven. Hardcore social media evangelist.