Pontoon Insurance Guidelines
There is nothing more relaxing than going on a pontoon boat cruise with your family and friends. However, before you head to the water on your new boat, you need to consider the merits of good pontoon insurance. In addition, you need to make sure that your pontoon insurance needs are completely met.
Pontoon insurance classifies a vessel according to particular measurements. The definition of a boat is a vessel measuring anywhere between sixteen to twenty five feet. For pontoon boat owners, here are some important aspects of a pontoon insurance policy:
· Coverage for Physical Damage
Your pontoon insurance company should pay you for the repair or replacement of your boat under the following conditions:
- Theft
- Lightning
- Fire
- Vandalism
- Tornadoes or hurricanes
Included in the coverage are the outboard motors, the engine and the trailer of the boat. Not included in the pontoon insurance coverage are items that are not considered a part of the boat's operation like cameras, jewelries, clothing and fashion accessories, cell phones, laptop and TV or scuba equipment.
You should read the terms and conditions of your pontoon insurance as far as coverage is concerned. You should also know all the restrictions that apply for your boat's coverage.
· Liability Coverage
Liability coverage is very useful when your boat is held liable for an accident causing damage to another vessel, property or physical injury. It is also advisable to pay for a bigger premium for liability coverage because you will never know the total amount that you need to pay.
· Uninsured Boat Coverage
This type of pontoon insurance coverage pays for your boat's repair in the event that the property owner your boat had a collision with has an expired insurance or even worse does not have one at all.
· Passenger Medical Coverage
A passenger medical coverage pays for all hospital bills and medicines incurred by injured passengers on your boat. This is very important. The limit for this commonly ranges from $450.00 to $10,000.00.
· Assistance and Towing Coverage
With this pontoon insurance coverage, you will be reimbursed for all of the expenses you have incurred for using emergency services, examples of which include the following:
- Your pontoon breaks down and needs to be towed back to the port
- You paid for delivery (fuel, oil, or engine part replacement etc.)
- You called for someone to repair your pontoon boat engine
The information above is just some of the important things that boat owners should make sure that their insurance policies have. Once you have secured a good insurance for your vessel, you can sail confidently on your pontoon boat knowing that you have everything well-covered.
