Are you a boat owner in Clermont, FL? If so, you enjoy spending time cruising around the beautiful lakes. However, before you set sail, it’s essential to make sure you have the proper insurance coverage. Singh Insurance and Financial Services LLC can help make sure you’re adequately covered. Here are some things to consider when determining if you need collision coverage on your boat.

Value of Your Boat

If your boat is financed, your lender will likely require you to carry this type of coverage. Even if you own your boat outright, it’s still a good idea to have collision coverage in case of an accident. The cost of repairs or replacement can be expensive, and this type of coverage will help protect your investment. Out-of-pocket expenses can add up quickly, so it’s important to have the proper coverage in place.

Type of Boat

The boat you have will also play a role in whether or not you need collision coverage. If you have a small, inexpensive boat, the cost of repairs may not be worth the price of the premium. However, collision coverage may be a wise investment if you have a larger, more expensive boat. But still, in both cases, the best action you can take is to speak with an insurance agent to guide you through the decision-making process.

Your Insurance Policy

Finally, check your boat insurance policy to see if collision coverage is already included. Some policies automatically include this type of coverage in your boat insurance, so you may not need to purchase it separately.

Singh Insurance and Financial Services LLC in Clermont, FL

If you’re still unsure if you need collision coverage on your boat, Singh Insurance and Financial Services LLC can help. We’ll work with you to determine the best insurance coverage for your needs. Contact us today to get started.

When you have a boat in Florida, protecting it from serious weather is always on your mind. While boat insurance isn’t mandatory in Florida, it’s always a good idea given the unpredictable nature of Florida weather, especially in hurricane season. Not only do you want to be sure that you have boat insurance, you want to be sure that your boat is as safe as possible to operate.

At Singh Insurance and Financial Services LLC, we want Clermont, FL boat owners to feel safe on their boats at all times. Follow these tips on how to protect your boats for serious weather.

Have a Boat Storage Plan

When you have a boat docked and know a storm is coming in, talk to your marina about how to store it when the weather gets bad. You may be able to get hurricane haul-out coverage from your insurance agent. This will cover the cost of hauling your boat to a safe storage facility, and returning it after the storm.

Decrease Wind Woes

Wind damage is one of the most expensive damages to worry about after a storm. Go through your boat to reduce any concerns here. Take any canvas from the boat, secure any loose articles, or remove any objects that could fly of the boat. 

Remove all valuables from the boat. That includes anything from bedding to fishing equipment. Take your documents with you. Make sure all technology comes off of the boat with you as well. 

If it is not screwed or nailed down, take it with you.

Secure With Anchors

When a storm is coming, it’s not uncommon for boat owners to apply more anchors than usual. Invest in one or two more anchors for the boat, and use them for storms. It’s a simple strategy that works.

Shore Up on Boat Insurance

If you have a boat in Clermont, FL, make sure that you have enough insurance for it. That will give you more peace of mind on the water, and when storms are on the way. Call Singh Insurance and Financial Services LLC today for a quote.

You probably assume that you are covered if anything happens while you are out boating if you have already purchased boat insurance through Singh Insurance and Financial Services, LLC. Living in Clermont, FL means having access to great weather and water, so you do what you need to do to make sure you have the protection you need when you are out boating.

Your insurance agent probably offered you multiple deductibles and maximum coverage levels, because no two people are in the same situation. If you have a fancier boat, you will need more coverage. Even if you don’t have an expensive boat, you want to make sure that you won’t have to pay out of pocket if someone else is injured while you are boating.

But your primary coverage, which includes liability protections, probably doesn’t cover all your personal possessions. If you want to get the right protection, you can simply add on to your existing coverage. Personal effects and fishing equipment policy will protect your personal possessions, such as your phone, fancy fishing gear, and other possessions you bring with you while you are boating. Everything from clothing to bait boxes to sporting goods can be covered under this policy.

At Singh Insurance and Financial Services, LLC, we try to make sure every customer has the protection they need. Beyond basic coverage for common claims like property damage and theft, we can help you choose your level of protection for personal injury, fuel spills, and anything else you think is a concern. If you are involved in a lawsuit, your insurance may even cover legal fees. If you have any questions or would like to add more coverage to your Clermont, FL policy, please give us a call today.