Whether you’re out chasing trophy bass or cruising the coast with friends, your boat is more than just a vessel; it’s an investment in your lifestyle. If you’ve outfitted it with high-end fishing gear, navigation electronics, or other specialized equipment, protecting that investment becomes even more important. At Rock Hard Insurance Agency in Fontana, CA, we help boat owners understand how to ensure all their onboard extras are properly covered.
Don’t Assume It’s All Included
Standard boat insurance typically covers the hull, motor, and basic liability. But what about that top-tier fishfinder, your trolling motor, or the rods and reels you’ve carefully collected over the years? These valuable items often fall into a gray area. Some policies may offer minimal coverage for personal effects or equipment, while others exclude them entirely unless you add specific endorsements.
It’s essential to take inventory of what’s on your boat and talk to your insurance provider about what is and isn’t covered. If your gear is damaged in a storm, stolen at the dock, or even lost overboard, knowing you have the right protection makes all the difference.
Tailor Your Policy to Your Lifestyle
No two boaters are the same. Anglers have different needs than weekend cruisers, and you deserve a policy that reflects how you use your boat. Whether you’re storing gear onboard year-round or only during fishing season, coverage can be customized to fit your situation.
At Rock Hard Insurance Agency in Fontana, CA, we’re here to help you build the right protection for your boat and everything on it. Before your next adventure on the water, let’s make sure your equipment is as protected as your hull. Give us a call today to review your policy and explore your options.
