Category: Boat/Watercraft Insurance

Boat and watercraft insurance is not required by law in Iowa, which leads many owners to forego it. However, not having a boat or watercraft insurance policy can pose significant risks. This blog post will discuss the potential risks you may face if you decide not to purchase boat or watercraft insurance.

Risks of Not Having Boat/Watercraft Insurance

• Damage to your vessel. Accidents can happen unexpectedly. If your boat or watercraft is damaged in an accident, you will have to cover all the repair expenses yourself.
• Medical expenses. Without a proper insurance policy, you and your passengers will not be covered for medical costs in case of an accident and injuries.
• Vandalism and theft risks. Theft and vandalism are unfortunately common. If your vessel is vandalized or stolen, your boat/watercraft insurance will cover your loss. However, without a policy, you could lose thousands of dollars.
• Liability risks. If an accident occurs and you cause damage to others and their boats, you will be responsible for covering all the damage. Without insurance, this could cost you a fortune.

As you can see, owning a boat or watercraft without proper insurance is a risky decision. It would be best always to have adequate boat/watercraft insurance as a responsible vessel owner. If you are currently shopping for an insurance policy in Lansing, IA, or any other nearby area and do not know where to start, Kerndt Brothers Insurance Agency is here to help. We specialize in different types of insurance, including boat/watercraft insurance. If you live in Lansing, IA, or any surrounding area, feel free to call us to find out about available insurance options.

Embarking on aquatic adventures in Lansing, IA, offers a unique escape. At Kerndt Brothers Insurance Agency, we understand that beneath the serene surface lie hidden perils. Dive into the lesser-known risks covered by boat insurance and ensure your waterborne journeys remain smooth sailing.

Unveiling Uncommon Risks

Beneath the beauty of Lansing’s waters lie uncommon risks that boat owners may not anticipate. Our deep-rooted connection to the community positions us as your local expert in understanding and addressing these hidden perils.

Protection Beyond the Obvious

Boat insurance goes beyond standard coverage, safeguarding against less common risks. Whether it’s the threat of submerged obstacles or damage during transport, our coverage ensures your vessel is shielded against the unexpected.

Navigating Lansing’s Waters Safely

Lansing, IA, with its unique waterways, demands a nuanced approach to boat insurance. Our coverage is tailored to the specific risks of our community, providing peace of mind as you navigate the local waters.

Why Choose Kerndt Brothers Insurance Agency?

As your trusted insurance provider in Lansing, IA, we bring a wealth of experience to the table. We are committed to going beyond the surface, ensuring that you are well-protected against both common and uncommon risks on your boating adventures.

Secure Your Seafaring Dreams – Contact Today

Ready to ensure your boat is covered against hidden perils? Contact Kerndt Brothers Insurance Agency for expert advice on comprehensive boat insurance tailored to Lansing’s unique waters. Our team is dedicated to securing your seafaring dreams and providing the protection you need.

In the realm of boat insurance, it’s the unseen risks that demand attention. Partner with us for a worry-free voyage on Lansing’s waters. Dial our number and let’s navigate the seas of coverage together.

It’s important for you to update your boat insurance coverage over time if you want to make sure that you’re carrying the coverage that you need. When it’s time to update your coverage, we can help you at Kerndt Brothers Insurance Agency. We offer insurance to boat owners in Lansing, IA. 

Here are three signs that you should update your boat insurance coverage:

You’d like to be able to navigate in a larger area.

Boat insurance policies are limited in terms of the navigational areas in which they offer coverage. It’s important to be aware of this as a boat owner.

If you want to be able to use your boat over a larger navigational area, you should update your boat insurance policy to make sure that you’ll be covered in all the waters you navigate. 

You were disappointed with how a past claim was handled.

It’s important that your boat insurance provider meets your expectations when you have to file a claim. Otherwise, you should shop around and find another boat insurance provider. 

Good customer service and a straightforward claims process are both essential for a good boat insurance provider. You can always switch policies and providers if you’re not happy about a past claim. 

You bought another boat.

If you get rid of your old boat and buy a new one, you need to update your policy. You also need to update your policy if you want to add coverage for a second or additional boat. 

Contact Us Today

Give us a call at Kerndt Brothers Insurance Agency if you have questions about our boat insurance options. If you’re a boat owner in Lansing, IA, we’ll be happy to give you a quote on a boat insurance policy.