Owning a boat is a fun and relaxing way to explore the open water, but before you plan your next adventure, you need to know that you have a boat insurance policy that meets your needs. If you plan to sail along the coast or into offshore waters, your policy should reflect the potential risks of coastal and offshore navigation. 

Offshore and Navigational Policy Limitations 

Insurance policies often limit how far you can travel offshore while being covered. Therefore, you will likely need extra coverage if you plan on coastal navigation. Familiar yourself with a policy’s navigational limits before deciding if it’s right for you.

Determining if You Need Additional Coverage

The type of coverage you need depends on your intended use of the boat. It will be determined by where you operate the vessel, as coastal waters pose dangers that rivers and lakes do not. Higher premiums may be added if you’re in an area prone to hurricanes and tropical storms, as they pose a higher financial threat in the event of damage. 

Understanding Coastal Navigation Limits

Policies have varying criteria for coastal navigation limits, which could range from 5 miles to no limit at all. Additionally, your vessel’s size and value will be taken into consideration. If you plan on going beyond coverage limits for a temporary period, you may be able to add extended coverage for that specific duration.

Looking for Boat Insurance in Aurora, CO?

Boat insurance can be challenging to navigate, and you shouldn’t have to go it alone. At All-Star Insurance Brokers Inc, we can explain the different types of boat insurance you need so you are covered no matter where you sail. 

Call All-Star Insurance Brokers Inc in Aurora, CO today to learn more about coastal and offshore navigation limits.