Boating season in Indiana easily stands as one of the most anticipated and enjoyable times of the year. For many, a lifetime of summer memories have been made up at the lakes. There is nothing quite like packing up after a long work week and heading up to the lake cottage. After a peaceful night’s sleep, you wake up to a scene that takes you back to a simpler time- the sound of birds chirping, the sun shining, and the scent of fresh bacon wafting up from the kitchenette with the red-checkered curtains downstairs. You look out onto the water and see your boat, parked at the dock- eagerly looking forward to taking it out for the first time of the summer. You spend your days cruising out on the lake, the wind in your hair and the sun on your face. Nothing beats it. We all know that there is an endless amount of fun that can be had on the water. But having fun also comes with responsibilities- like making sure that your water “toys” are properly insured. And at Insurance Management Group, we can help you do just that.
A common misconception when it comes to insuring your watercraft that many people believe that boats, jet skis, pontoons, etc., are best insured under their homeowner’s policy. While it’s true that smaller, slower boats can be placed under the homeowner’s policy, what many people do not know, is that many medium-sized or high-speed boats often don’t qualify for that and actually require their own watercraft policy. An Indiana watercraft insurance policy offers better and broader coverages such as higher limits and coverage for equipment, accessories, uninsured boaters, and liability. Let’s say, for instance, that you accidentally run your boat over a log in the reservoir and damage the motor. Your Indiana watercraft insurance policy will cover that. Or for those times when you are out having fun tubing and water skiing with the kids, you know that in the event that someone were to suffer an injury, you will be protected. And if an uninsured boat hits you at the marina and ruins the side of your boat? That would also be taken care of under your watercraft policy as well.
At Insurance Management Group, we are experts in asking the right questions to learn about your specific needs to better assist us in creating a watercraft policy fit just for you. We want you to be safe and HAVE FUN while you’re out on the water- not to be worrying about what will happen if something goes wrong. But if something does go wrong, you can have peace of mind knowing that your IMG team is here for you- ready to answer all of your questions and to work diligently to solve any problems that may arise. Let us take care of you, so that you can enjoy some of life’s best moments, worry-free. So, give us a call or stop by to see one of our friendly agents to learn more about an Indiana watercraft insurance policy with IMG and how we can ensure you and your family, smooth sailing. All aboard!
Click HERE to download our Watercraft Questionnaire!