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Looking for boat and watercraft insurance in the Folsom, CA area? At T.D. McNeil Insurance Services, we can help you find the right policy that fits your needs. Some boaters may need coverage for a boat, while others need it for a personal watercraft (PWC), such as a jet ski. However, it’s important to make sure you’re getting the right type of protection, and not assuming that coverage for one vessel means coverage for a different one. Here’s what you’ll want to consider.
Is a Personal Watercraft Considered a Boat?
It’s easy to think of a personal watercraft is something completely separate, but it’s actually classified as a boat. Still, that doesn’t mean the insurance you have for your boat will cover it, as well. You need a separate policy, and watercraft insurance is also slightly different from standard boat insurance. A PWC is a boat the same way a motorcycle is a vehicle, even though it’s quite different from a car.
How Can You Cover More Than One Vessel?
Covering more than one vessel is easy, but can’t be done by the same policy. You need separate insurance for your watercraft and your fishing boat, for example, and you can generally get both policies through the same company. That way, you’ll know you have the protection you need, no matter which one you take out on the water that day.
Working With an Agent Is the Right Choice
Get in touch with us today at T.D. McNeil Insurance Services if you’re in the Folsom, CA area and looking for boat and watercraft insurance. Our dedicated agents are here to help, with quotes from multiple insurers and plenty of answers to your questions. We want you to feel safe and protected when you’re on the water, with the security and confidence that a strong insurance policy can provide.
