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Meiners Insurance

152 Lear Rd
Avon Lake, OH 44012

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What Does Boat Insurance Cover?

When you own a boat, you may be wondering if you need insurance for it. It isn’t required, though you should really think about getting some for your own protection. While considering whether or not you want insurance in Avon Lake, OH, you should figure out what it covers. Meiners Insurance offers a list of coverages to consider below. 

Here are some things that your boat insurance will cover 

Your boat itself. Though some plans will cover more than others, your insurance could cover the cost to repair it if it is damaged. It could also replace it if your boat gets stolen. Your boat doesn’t even have to be in the water to be covered! 

Property damage. If you damage someone else’s boat or property (such as a dock), you will be held liable for it. Your insurance will cover these costs. 

Medical bills. If you or your passengers are injured in an accident, you are going to have to pay for the medical bills, which can add up quickly. Your liability insurance will cover these expenses. 

Legal fees. Your liability insurance will also cover any legal fees if you end up getting sued over the accident. 

Other people’s negligence. Your boat insurance will likely have underinsured and uninsured insurance. This is used to cover any expenses that the other party may not be able to pay with their insurance.

The best way to make sure that you have enough insurance is to talk to a professional. If you are serious about it, you should contact us at Meiners Insurance in Avon Lake, OH. We will be glad to go over your options to ensure that you feel good about your insurance. 

Common Questions About Boat Insurance

Do you own a yacht, pontoon boat, leisure crafts, sailboat, or jet boat? Would you like to enjoy navigating in the big waters of Lake Erie, Aurora pond, Mosquito Creek, or the Grand Lake St. Mary?

Well, it can all be fun, but you’ll at least need some insurance cover as part of your safety plan. It isn’t mandatory to hold boat insurance coverage if you are a boat owner in Avon Lake, OH, but here is why you should think of getting a policy anyway from Meiners Insurance.

Your boat is a treasured and expensive possession, and any damage to it can affect your finances because you may need to get it repaired or replaced. Before getting a policy from Meiners Insurance in Avon Lake, OH, here are some questions that you should answer.

What Does a Boat Insurance Cover Entail?

Like any other insurance cover, boat insurance coverage protects your boat in case of damage or loss. The coverage protects many types of watercraft, but it exempts personal watercraft, kayaks, and canoes.

Is It Mandatory to Hold Some Boat Insurance Coverage?

It’s compulsory to insure your boat in some states to get liability coverage, but the state of Ohio hasn’t made this requirement mandatory. The state of Ohio may not compel you to insure your boat, but some marinas in Avon Lake, OH may require you to have some boat insurance cover before you can dock at the marina. If you buy a boat using loan money from a lender, then the lending organization may require you to buy boat insurance.

What Risks Does the Boat Insurance from Meiners Insurance Cover?

A boat insurance cover protects your watercraft against any losses and damages, including;

  • Property damage liability
  • Collision damage
  • Bodily injury
  • Comprehensive coverage for non-collision damage resulting from acts such as vandalism and theft. 

Where Can Boat Insurance Get Acquired?

Well, if you’re from Avon Lake, OH, then the Meiners Insurance Company is your best bet. Visit our company’s website or give us a call, and you’ll get all the help you need to get a reliable boat insurance policy.


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