About Boat and Watercraft Insurance
When you have recreational vehicles designed to enjoy the waterways in and around Niles, OH, it is best to know the pros of having insurance and the cons if you don’t have coverage. Our agents at Ruddy Insurance Group want you to enjoy your time aboard your boat or skimming the waters on your jet ski with the right insurance. Call us so we can set sail for your next water excursion stress-free.
Ohio Boat and Watercraft Insurance Requirements
Whether you need to register your boat or watercraft, or you want to spend the day cruising the waters, Ohio does not require you to have insurance for your boat or your jet skis.
There are two exceptions to required insurance. First is if the boat or jet ski is financed, the lender usually requires you to have insurance. Second, if you plan to dock your boat at a private marina, or refuel, or if you want to store your watercraft, marinas or boat clubs usually require insurance.
Reasons to Consider Getting Insurance
Keep in mind that while you are enjoying the day on your boat or jet ski, there are many other water enthusiasts who are uninsured.
You will want to protect your finances. If a situation occurs, such as an at-fault accident, or an injury claim, it can cost you significant out-of-pocket money.
If you have homeowners’ insurance and there is an incident involving your jet ski, chances are your homeowner’s policy won’t cover the costs.
Contact Us
If you want to keep you and your boat or jet ski safe while enjoying Niles, OH, water outings, reach out to our team of professionals at Ruddy Insurance Group. We’re here to help. Give us a call and let’s charter a course to your next great water adventure.
