Boat insurance is often misunderstood, leaving many boaters unsure about what’s covered and why it’s necessary. Misconceptions can lead to gaps in coverage or even costly mistakes. If you’re a boater in Columbus, OH, understanding the truth about boat insurance can help you make informed decisions. Gessel & Associates Insurance Agency is here to clear up the confusion and ensure you’re fully protected.
Misconception #1: My Homeowners Insurance Covers My Boat
While homeowners insurance may provide limited coverage for small boats, it often excludes larger vessels or liability on the water. Specialized boat insurance is designed to cover damages, theft, and liability specific to boating activities. Without it, you could be left paying out of pocket for repairs or accidents.
Misconception #2: Boat Insurance Is Only Necessary for Expensive Boats
Boat insurance isn’t just for luxury yachts. Even smaller vessels like fishing boats or personal watercraft can benefit from coverage. Accidents, theft, and liability risks apply to all boaters, regardless of the size or value of their vessel.
Misconception #3: I Don’t Need Liability Coverage
Liability coverage is one of the most important aspects of boat insurance. It protects you financially if you’re responsible for injuries or property damage while operating your boat. Without liability coverage, you could face significant legal and medical expenses.
Why Columbus Boaters Should Choose Gessel & Associates
At Gessel & Associates Insurance Agency, we understand the unique needs of Columbus, OH boaters. Our team specializes in boat insurance, offering policies that protect your vessel, liability, and more. Whether you’re cruising on a lake or exploring local rivers, we’ll help you find the right coverage for your needs.
Don’t let misconceptions leave you unprotected. Visit our website today to learn more about boat insurance options in Columbus, OH. Gessel & Associates Insurance Agency is here to help you navigate coverage with confidence!
