If you’re a Reno, NV resident and own a boat or other type of watercraft, you will need boat insurance coverage. Here are the facts about boat insurance for Reno, NV residents.

Types of Boat/Watercraft Insurance

Types of boat and watercraft that can be covered include:

• Performance boats
• Sailboats
• Fishing boats
• Classic boats
• Jet skis, wave runners, and other personal watercraft

Available Coverages for Reno Boat and Watercraft Owners

Boat and watercraft owners have a variety of coverage options, including:

• Property damage liability
• Comprehensive
• On-water towing
• Labor coverage service
• Bodily injury
• Medical payments
• Uninsured boater
• Personal effects replacement

Do You Need Boat Insurance?

Nevada is a state that does not require boat owners to have boat coverage, but if you’re interested in docking your boat on the marinas, you may be required to have adequate boat insurance. If you take out a loan and use your boat as collateral, banks may require you to obtain a valid boat insurance policy.

Things to Consider Before Purchasing Boat Insurance

Before you purchase boat insurance, you need to consider if you need coverage year-round, the discounts and other programs available, and how much liability and medical coverage is enough. If your boat is towed, you need to know whether or not you are covered in an emergency. You should also be familiar with the process of filing and settling a claim, just in case you need these services.

Here at Hinman and Associates, we understand your need for boat and watercraft insurance. We provide insurance coverage for a variety of situations, including auto, home, commercial, and other insurance types. Contact us now to inquire about the insurance solutions we offer and how we can help you with your insurance needs.