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Boat insurance is not legally mandated in Colorado, but you may still want or need it based on your circumstances. For instance, if you are still paying on your boat, lenders may require you to carry full coverage insurance to protect their investment. At Front Range Insurance Services, we can show you what kinds of boat insurance are available in Littleton, CO, so you can decide what’s right for you.
Liability Insurance
Liability insurance is still a good idea even if your boat is paid off. Liability insurance protects you if you are found to be at fault in an accident that damages or injures someone else’s property.
Collision Coverage
If you are in a collision with an object or another boat, whether or not you are at fault, collision coverage covers damages to your boat.
Comprehensive Coverage
Many other things can put your boat at risk, such as fire, storms, vandalism, or theft. You need comprehensive coverage unless you want to pay for the damages yourself.
Medical Payments Coverage
If you or your passengers have medical payments not covered by your regular health insurance, this coverage can help pay for doctor visits, medicine, and therapy. This applies no matter who caused the accident.
Uninsured/Underinsured Operator Coverage
If the other operator was at fault, they may be required to pay, but they might not have enough money.
Carrying boat insurance in Littleton, CO may not be a legal requirement, but it can offer much of the protection you need. If you have any questions or would like to compare different policies, please call Front Range Insurance Services today.
