The Georgia coastline is frequently affected by hurricanes and the remnants of tropical storms from the Gulf Coast. If you own a boat or watercraft in Braselton, GA, it is important to understand how your insurance policy works before a storm approaches.
Comprehensive Coverage
Basic liability coverage does not protect your vessel from hurricane damage. Liability policies only cover damage or injury caused to another person. Comprehensive coverage is usually needed to protect against storms, high winds, and other natural events. Reviewing your policy before hurricane season is essential so you can understand what is included and what additional coverage you may need.
You Need Coverage Beforehand
Many insurance companies in the Braselton, GA area stop issuing new policies or updating coverage once a named storm enters the forecast. Some boat owners try to secure last-minute coverage when a storm is approaching, but insurers often temporarily suspend the issuance of new policies. Securing comprehensive protection well before hurricane season begins is the best way to ensure your vessel is covered.
Required Precautions
Insurance carriers may require you to take reasonable steps to protect your vessel before a storm. This may include relocating the boat to a safer location, dry-docking it, or securing it with proper tie-downs. Failure to follow these requirements may result in denied claims. An agent at Bingham Insurance Group can explain the specific precautions your policy requires.
Additional Coverage
Many boat and watercraft policies include optional protections. These may include wreckage removal, fuel spill cleanup, or coverage for hauling the vessel out of the water before a storm. The availability of these options varies by provider, so it is important to review your policy closely or speak with an experienced agent.
The team at Bingham Insurance Group is here to help you understand your coverage and ensure you have the protection you need before a storm arrives. Contact us today for more information. We proudly serve the Braselton, GA area.
