Most companies offer the standard set of coverages as well as specialized coverage on boat policies. Special coverages can come in handy. Emergency towing and wreckage removal can be very expensive if you do not have the coverage included.
This is generally available on previously untitled boats. These boats are usually one model old. There are other boats that are insured for actual cash value or the agreed value. You need to make sure you understand your policy when you read it.
The insurance company will pay reasonable costs for actual or attempted removal, rising, or destruction of the wreckage of an insured boat resulting from any loss. Physical damage coverage is provided, as well. The limit of liability varies. It varies based on whether you are legally required to remove, raise, or destroy the boat.
You can look for a simple boat policy to cover your boat. Ensure your agent knows what you want when you purchase your policy so that you are not paying extra money for your boat policy.
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