Owning a boat is a lot of fun as long as you don't have to spend a fortune fixing it all the time. If you want to make owning a boat or watercraft a little bit easier on yourself, get the protection you need with Louisiana boat/watercraft insurance from 318 Insurance.
In many cases, it's your choice whether or not you want to insure something. After all, insurance is designed to protect your property in the event of an accident. However, there are some types of insurance you're legally required to carry if you want to enjoy certain privileges. In Louisiana, you aren't legally required to have boat insurance like you are with auto insurance.
The interesting thing about the fact that you don't need boat insurance in Louisiana is how it changes policies for those who are insured. Since you never know if somebody else is going to have insurance to pay for a collision, you can get an uninsured coverage option to make sure things are paid for.
The Perfect Policy
One tough part about boat/watercraft insurance is the variety of boats and watercrafts compared to cars. Boats come in a huge range of sizes and types, and that's not to mention all the different features different boats can have. Plus, there are personal watercraft that need to be insured too.
Unless you have a very standard small boat or personal watercraft, it's best to work with an agent to make sure your policy is right for your boat. You may want additional coverage based on the size, cost or features of your boat, and that coverage may not be included by default.
Whether you own a boat or a personal watercraft, having some form of insurance is important. If you're looking for quality boat/watercraft insurance in Louisiana, call 318 Insurance to get a quote today.