Will Boat Insurance Cover Personal Property On Board?

Boat insurance is not legally mandated in New Orleans, LA, but it’s unwise to go without it. In a city like New Orleans, a lot of us make a living on our boats or otherwise spend so much time on the water that it would be downright foolish not to buy insurance for one of our most treasured possessions.

A question to consider: Does your boat insurance policy actually cover everything on your boat, or just the boat itself?

The answer: It varies from provider to provider and policy to policy, but you can typically buy protection to ensure that everything on your boat is safe.

  • By default, you can generally expect that anything used to operate your boat, ropes, tools, etc. will be covered by your policy. But, you should read your policy thoroughly to make sure.
  • Anything you bring from home is probably going to be covered by your home insurance policy. This is the same for boat insurance as it is for auto insurance: Your home policy covers your possessions even when they’re not inside your home.
  • If you have possessions that you keep on your boat, clothing, cooking supplies, and so on, you can get these covered by most insurers, but you’ll need to take inventory the same as you would with your home insurance policy.

If you’re shopping around for boat insurance in New Orleans, LA, get in touch with Bright Auto Insurance and see what they can do for you. Boating is the lifeblood of New Orleans, and you don’t want to go without coverage, so call Bright Auto Insurance or get in touch through their website and get covered.