Several boating accidents in the Niles, OH region occur as a result of hitting underwater rocks. These obstacles can be quite hard to spot. Therefore, collisions may still occur even with careful navigation. The impact of a rock can cause significant damage. However, the upside is that such an accident could be covered if you possess the appropriate insurance.

When Is It Covered?

An insurance policy covering property on a boat typically provides coverage against accidents that involve rocks. If the collision results in relatively minor damage, your ability to file a claim could depend on your deductible. Depending on the extent of the damage, your insurance might cover the cost of repairs or even replacement of your boat. Taking photos and thoroughly documenting the accident for potential claims is advisable.

What’s Not Covered?

Damage incurred from hitting a rock will not be covered if you only have liability insurance. This form of coverage typically takes care of damages caused to other people’s property, like a boat or dock. It can also provide protection against a lawsuit in case you unintentionally injure someone, like a swimmer or another boater, while boating.

Is Towing Covered?

If your boat suffers significant damage due to a collision with a large rock, it might need to be towed on the water to a marina or a repair shop. The coverage for this service is dependent on your specific insurance carrier and policy provisions. Some policies include towing, while others offer it as an optional extra.

Ruddy Insurance Group offers reliable boat insurance in the Niles, OH region. Our cordial staff is always ready to assist with your queries and help you choose a policy that includes coverage for rock accidents. As an independent agency, we provide varied coverage options from various carriers. For more information or to get a quote today, please call 330-652-0202 to get in touch with the Ruddy Insurance Group.

If you are a Niles, OH, area boater wondering how to stay safe and protect your floating investment from common mishaps while boating on local waterways – this guide is for you. 

Ruddy Insurance Group provides tips to help local boaters sail into long-term security with comprehensive boat insurance coverage. 

Sail Into Security – Guide for Niles, OH Boaters

Owning and operating a boat comes with a unique set of risks, including choppy waters, unpredictable weather patterns, and even collisions in crowded waters. Trusted insurance professionals can help you craft a comprehensive solution to protect your beloved vessel. 

The following are examples of boat insurance coverage that protects local boaters and recreation enthusiasts in Ohio waters. 

Liability Coverage for Boaters

Boaters who get liability insurance gain protections for covering medical expenses, legal fees, and damages they would typically pay out of pocket in an at-fault accident with another boater. 

Physical Damage Coverage for Mariners

Ohio mariners can get comprehensive and collision coverages that help offset the cost of boating repairs resulting from boating accidents and non-collision-covered events like boating theft and vandalism. 

Additional Options for Ohio Boaters 

While not all boating insurance options will be available to all boaters based on individual factors like location, vehicle type, and boating history, the following are examples of common boating insurance coverage available for Ohio boaters. 

• Fishing Equipment Coverage
• Medical Payments Coverage
• Personal Property Coverage
• Towing and Assistance
• Uninsured and Underinsured Boat Insurance Coverage
• Wreck Removal Coverage

Ohio Boat Insurance Quote 

Don’t wait until the unexpected happens and you find yourself drowning in out-of-pocket fees or expenses. Contact a licensed boating insurance agent at Ruddy Insurance Group and get a free quote today! 

While boat insurance is not required for people living in Niles, OH, your lender may require you to obtain a policy when there is an outstanding lien on your vessel. Even when your watercraft is paid off, indemnifying your investment can protect you against out-of-pocket expenses that may occur. 

Your boat can suffer loss while parked on your property due to weather events, for example, that create high winds and hurl projectiles at great speed. Falling tree branches may also cause problems, and these can also affect expensive accessories or custom features. Hail may dent the body of the vessel or can break the windshield and other vulnerable components. 

While in storage, a boat can be susceptible to burning if the building housing it catches fire. Subsequently, water damage can also be incurred through efforts to put out the flames. They may also develop rot or molding issues while kept indoors. 

It cannot be assumed that homeowners insurance will automatically extend to a boat kept at home, and your Ruddy Insurance Group representative can provide more information on what would be covered. 

Boats may be involved in traffic accidents when being transported over land. In addition, they can be wrecked while out at sea, and it is your responsibility to make provision for any repairs or medical costs another party may need as a result if you are at fault. Passengers can slip or fall while sailing, and these injuries may require attention from a professional. 

Ruddy Insurance Group Can Help

We pride ourselves on providing quality insurance packages to meet the needs of our Niles, OH clients. Contact us online or by phone today, or feel free to stop at the office to discuss your situation in detail. 

Unlike auto insurance, boat insurance is not required in most states, and Ohio is no exception. Even though you do not have to secure boat insurance, having some level of protection from a boat insurance policy is a good idea.

Boat Insurance Coverage Options

The agents from the Ruddy Insurance Group in Niles, OH want you to know about the different coverage options available regarding boat insurance policies.

Liability Boat Insurance

Similar to auto liability insurance, boat liability insurance will cover any damage caused in an accident to someone else’s property or injuries they may sustain in an accident deemed to be your fault. This liability coverage can also cover the passengers on your boat or the other person’s boat.

Comprehensive and Collision Insurance

Whether you paid cash for your boat or borrowed the money to purchase your boat, comprehensive and collision insurance are two types of coverage options you will want to have to protect the investment you made in your boat. Comprehensive insurance will cover your boat if a fire or natural disaster damages it. Collision insurance will help you out if you collide with another boat or a stationary object. For example, if your boat hits someone’s dock and causes damage, your collision insurance will help you pay for those damages.

Contact Us

Before winter ends and spring is upon us, contact the agents at the Ruddy Insurance Group in Niles, OH to create a boat insurance policy that works well for you and your situation. Call today to start your policy so you can have the peace of mind you deserve this summer while relaxing on your boat!

Car insurance is straightforward. If you drive a car, you must have at least a liability policy. When it comes to boat insurance, things are more nuanced. At Ruddy Insurance Group, we offer boat insurance in Niles, OH. 

Is Boat Insurance Required? 

Most states, including Ohio, do not require boaters to have a boat insurance policy.

However, most marinas require some boat insurance before you rent a slip or mooring. This is typically a liability policy, but requirements vary. 

If you have a lien on your boat, your lender may require you to carry insurance to protect the investment. The policy should cover the full value of your boat. 

Are Boats Covered Under Homeowners Insurance? 

A homeowners policy provides minimal coverage for your boat. Most policies will only provide 1,000 worth of coverage for your watercraft. If your boat is worth more than this, you should consider a boat policy.

Your homeowner’s policy may also provide limited liability coverage for your boat. However, there are limitations as to the size and type of boat that is covered. 

Larger boats, or those with more than 50 horsepower, are not typically covered. Jet skis are not covered.  

Should You Get Boat Insurance? 

If you own a boat, you should consider boat insurance, even if it’s not required. You may find yourself unable to access a marina without a policy. 

A boat insurance policy also provides you with robust liability coverage. This includes damage to others’ property and injuries to others. 

Lastly, your boat is a significant investment. A boating policy can protect your investment in the event an accident occurs. 

Boat Insurance at Ruddy Insurance Group

If you need boat insurance in Niles, OH, contact us at Ruddy Insurance Group. We’ll work with you to ensure you get the right coverage for your needs. 

For those that are in the Niles, OH area and want to be able to enjoy the warm summer months as much as possible, getting a boat can be a great idea. Those that are going to purchase a boat when they are in this region will always want to have the right insurance support in place. Your boat insurance plan can protect your boat in various ways. 

Offset Liability Risk

One of the ways that you can be covered with insurance is by reducing your liability risk. Boat owners are always going to run the risk that they could cause an accident when operating it. If you do cause damages in an accident, you will have to pay for restitution. Depending on the accident, this could be a significant amount of money. With boat insurance, you can offset this risk as you will continue to be properly covered for liability claims. 

Cover the Boat

While you will want to have liability coverage, it is also important to ensure your boat is protected. With a boat insurance plan, you will get the coverage that is needed to fully protect your boat. This can ensure you have support if your boat is damaged in an accident or stolen. With coverage, you will be able to repair or replace your boat if a loss occurs. 

If you are going to purchase a boat in the Niles, OH area, it continues to be important that you get the right coverage. The team with the Ruddy Insurance Group can offer you any guidance that is needed to choose an ideal plan. If you are going to work with the Ruddy Insurance Group, you can learn much more about your options for coverage and build a plan that will properly cover your boat. 

If you own a boat in Niles, OH, you may wonder whether you need boat insurance since you haven’t encountered an accident during your boat ownership journey. Well, just like a car or commercial insurance plan, boat insurance is one coverage you hope you don’t use — but you need it when the unthinkable strikes. Are you unsure whether you need boat insurance? Hang on as Ruddy Insurance Group elaborates.

Is boat insurance mandatory in Ohio?

While Ohio doesn’t require boat insurance, failing to purchase watercraft insurance isn’t a risk that you should be willing to take. Boat insurance can save you on a rainy day. If you have been having second thoughts about boat insurance, here are the reasons you need this investment.

It may be required

While boat insurance isn’t required by Ohio law, your lender may insist you purchase at least the basic boat insurance throughout the year. Think of your lender as a part-owner of the boat. And just like you, they would want to protect their investment in the boat. 

For liability protection

When you are legally liable for accidents, you could face bodily injury and property damage costs from other people. And since these costs can be extremely prohibitive, you need liability insurance to protect personal assets. Liability insurance pays for medical costs, property damage, and legal costs for third-party costs.

To protect your asset

Perils like theft, fire, and accidents can cause loss or damage to your boat. And because you have put a lot in your boat, you need boat insurance to compensate you when disasters strike. While boat insurance doesn’t prevent risks, it ensures you don’t start from scratch when the unexpected occurs. 

Get peace of mind with boat insurance

Would you like to have a stress-free boating experience in Niles, OH? If yes, please invest in boat insurance from Ruddy Insurance Group. Contact us today for an affordable quote. 

If you invest in something as expensive as a boat, you want to make sure that your precious possession is properly protected. The best way to do it is to get boat insurance. This type of insurance may be confusing, which makes it hard for boat owners to find and pick the right policy. In order to help you make an informed decision, Ruddy Insurance Group serving Niles, OH has prepared a list of things you should consider:

• It is not required by law to carry boat insurance in the state of Ohio. However, it is still recommended to have it. 
• There are certain factors that may affect the cost of your boat insurance, including where you plan to boat (in-country or out-of-country, freshwater or saltwater, coastal or inland), type of boat, suspension (it is possible to suspend your policy during the off-season), and available discounts (good boating and driving record or taking a boating class for example). 
• Traditionally, most standard boat insurance policies cover the following: property damage liability (if you crash into someone else’s watercraft or boat, or destroy someone’s property while operating the boat), collision damage (repairs and replacement of your boat), engine damage, and body damage liability (this coverage protects you if you hurt someone while operating the boat). 
• Standard boat insurance policies do not cover additional equipment and accessories unless they are specifically stated in the policy. These accessories and equipment include life jackets, GPS systems, boat modifications, anchors, and some others. 

If you are a responsible boat owner, one of the first things you should consider after getting a boat is boat insurance. It will protect your boat, yourself, and other people. Moreover, it will give you peace of mind. If you are currently looking for boat insurance but you still have questions and do not know where to start, Ruddy Insurance Group serving clients from Niles, OH will be glad to help you. Do not hesitate to give us a call – our experienced insurance agents will answer all your questions.