Three of the biggest mistakes you could make when you purchase boat insurance

Boat insurance is important to have for boat owners in Naples, FL. If you are a boat owner, we can help you find the right insurance solution at Pro America Insurance.

The following are three of the biggest mistakes you could make when you purchase boat insurance. Avoiding these mistakes is essential for protecting yourself financially.

Thinking home insurance will cover your boat

Home insurance is not meant to be used as your sole source of boat coverage. While home insurance coverage might cover damage to your boat while it’s on your property, it’s not going to cover anything when your boat is off your property.

Most likely, you bought your boat to use it off your property. That’s why investing in boat insurance coverage is so important. 

Picking a deductible amount that’s too high

The amount of your deductible is one of the most important considerations when it comes to your insurance policy.

A deductible amount that’s too high could create financial problems for you if you end up needing to file a claim. That’s why it’s important to choose a deductible amount that you will always be able to pay out of pocket. 

Canceling your policy during the offseason

Boat owners are often tempted to cancel their policy during the offseason to save money. However, this is never a good idea. Your boat could become damaged while it’s in storage. If you cancel your policy, you won’t be compensated for the damage that occurs while your boat is in storage during the offseason. 

Contact us today to learn more about boat insurance in Naples, FL. At Pro America Insurance, we can help you find the right boat insurance policy.