Summer weather is here in Meridian, MS and it is almost time to get out on the water. Whether you are taking your pontoon boat out at Okatibbee Lake, taking the jet skis out at Dalewood Lake, or taking your bass boat to your favorite fishing spot- Pearson & Company Insurance has all of your boat insurance needs covered.
Our insurance agency writes through the top carriers in MS and AL- which lets us shop our customer’s quotes to make sure we find you the best coverage and price.
Today’s blog is focused on the coverage for the contents in your boat. There are two types of contents coverage with boat insurance. There is Unattached Equipment Coverage and there is Personal Effects Coverage.
Unattached Equipment Coverage is protection for items that are used solely with the watercraft. Be sure to check your own policy, some come with 10% of the hull coverage amount automatically included. Meaning, if your boat is insured for $25,000, the policy includes $2,500 in coverage for items used only in the watercraft. Think about the items in your boat and determine if that is enough, or if more coverage is needed. This could include anchors, oars, water skis, wakeboards, GPS units, etc.
Personal Effects Coverage is protection for items that can be used from shore, without a watercraft. Often this is an optional coverage that isn’t already included in a boat insurance policy. Your personal effects could include clothing, scuba gear, fishing gear, or snorkeling equipment.
Ready to set sail? Call Pearson & Company Insurance to make sure your fully covered, (601) 482-6699. You can also request a quote online here.
You can read more about boat insurance here, and boating safety here.