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Author: Brooke Hayles
Here is a true story of a dream gone badly.
Owning the Ranger Z22 Comanche Bass boat was
a long cherished dream for them. They saved
and envisioned the day they would be the proud
owners of it. Finally after many years, that
day came. They bought the boat of their dreams,
all 22 feet, 300 horsepower of happiness. They
were anxious to go to Lake Sinclair in Georgia
to christen their new boat, but they knew the
needed to take care of a very important matter
first, boat insurance. They wanted to
protect this dream and themselves from harm.
Their local boat insurance agent stated
they needed guest passenger liability, property
damage, bodily injury, theft, medical payment
coverage along with coverage for physical loss.
Now he is the boat insurance expert so
no need to question, right? Well turns out they
should not have been in such a hurry to enjoy
their new boat and taken some extra time out
to protect it.
Taking solace in the fact their life long dream
was protected from damage or accidents, they
proceeded to enjoy the dream that had turned
into a reality. A rude awakening was about to
happen. They lived near the ocean in Georgia.
Severe storms are not common in the early summer
months, but the ones that do occur are very
severe and damaging. They found themselves hit
by a powerful hurricane. Their dreamboat, the
cover, trailer, and other equipment were all
destroyed. They called their boat insurance
agent and their world turned upside down.
They found out after many unanswered phone calls
and a visit that they did not have the coverage
that they needed to replace their lost dream.
Now after experiencing the fury of a hurricane
and the loss of a boat, they came face to face
with the reality that a dream was lost and no
hope of immediate recovery or for that matter
recovery in the near future. Their boat insurance
provider did not advise them about an option
of 'natural disaster coverage'. This coverage
was not standard with the company they chose.
Then to top it off, they found out that nothing
else was covered. The trailer, cover, fishing
equipment, and other articles in the boat were
also lost for good. This was also an optional
coverage, and again was not mentioned or suggested.
The reason that we bring this story to your
attention is to point out the importance of
researching boat insurance policies and
brokers. Even after you chose a broker, you
need to discuss all the details of a policy
to assure that your dream does not become a
nightmare. By taking the necessary steps and
finding a top boat insurance agent, you could
possibly save money. Some will offer discounts
for taking safe boating courses, if it has,
a diesel engine could be some savings as well.
A few things that are essential, to completely
protect your prized boat. You want to have a
boat insurance coverage that will provide
wreck and emergency removal services. Be sure
it covers your equipment, motor, trailer, and
of course the boat. Also, be sure of natural
disaster coverage no matter where you live.
All areas of the country have natural disasters
like floods, fire, hail, tornados, lightening
and windstorms. You also want to be sure you
are covered for acts of vandalism or explosions
Summary:
It can be an exciting time on the water with
that boat of your dreams. You worked hard to
make the dream come true. Do not let it turn
into a nightmare by not having an adequate boat
insurance.
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