Category: Boat/Watercraft Insurance

It’s important that boat owners know how to meet their insurance needs in Macon, GA. At O’Mahony Insurance Agency LLC, we can help you find the right boat insurance coverage in Georgia for your situation.

The following are four things to know about boat insurance in Georgia.  

Boat insurance policies don’t usually cover you wherever you go.

Boat owners need to pay attention to their policy’s geographic and navigational limits. If you take your boat far from home, you might not be covered for accident damages by your insurance policy. Ensure that your policy’s navigational limits don’t make it so that you aren’t covered in areas where you use your boat frequently. 

There are numerous types of boat insurance coverage available.

When you buy boat insurance, you can choose whether to include medical payments coverage, physical damage coverage, and uninsured boater coverage on your policy. Make sure you understand the different coverage types when choosing your policy. 

You usually have a few deductible amounts to choose from when you buy boat insurance.

Review your deductible options carefully when you buy boat insurance. Policies typically offer a few deductible amounts from which you should choose depending on your boat use habits and financial situation. 

Boat insurance is required at many Georgia marinas.

According to law, you don’t have to carry boat insurance as a Georgia boat owner. However, you probably need to have boat insurance if you plan to keep your boat at a marina. Most marinas require all boats stored at their facilities to be insured. 

Do you need to get a quote on a boat insurance policy in Macon, GA? Call us today at O’Mahony Insurance Agency LLC, and we can help. 

Protecting your boat has to be a priority when it comes to taking your vehicle out on the water. Even in storage, proper coverage helps minimize the risk of financial loss. The key is having the right balance of coverage to fit your specific needs. At O’Mahony Insurance Agency LLC, we help clients in Macon, GA and the surrounding area to get the coverage right to protect their investment.

Consider the Range of Policy Options That May Be Available to You

A customized quote designed to address your specific needs is key. Our independent insurance agent can help you navigate options, including:

• Watercraft medical payment coverage to cover the costs related to injuries or funeral expenses suffered by you or anyone on your boat.
• Uninsured watercraft coverage could help cover injuries sustained due to an accident with another boater who lacks insurance.
• Watercraft liability insurance helps cover costs another person suffers when you cause damage to them
• Repair cost endorsement coverage may help to provide higher coverage for your boat, the motor, trailer, and other boat equipment up to the limits of the policy
• Personal effects coverage to help cover fishing equipment if it is stolen or lost
• Agreed value option, which will provide coverage up to a value you agree on regardless of the boat’s current market value 
• Emergency service coverage, which could help with towing, breakdown costs, delivery of fuel or a battery, or other needs if you break down
• Boat trailer coverage which could help cover damage to your trailer

Each policy option here could be modified to fit your needs. With so many options, speaking to an agent is often the best way to ensure you get a policy that fits your goals and stays within your budget.

Let Us Help You Today

Contact O’Mahony Insurance Agency LLC now for a quote for boat insurance in the Macon, GA area.