Ahoy there! Summer is here, and that means it’s time to set sail, feel the breeze, and soak up the sun.
Being on the water is one of the greatest joys of the summer season- but before you head out on the boat or jetski, let’s chat about something super important: watercraft and boat dock insurance.
You might be thinking, “Do I really need it?” The answer is a resounding “Yes!” Here’s why.
Protecting Your Watercraft 
- Coverage for Accidents and Repairs Just like cars, boats can get into accidents. From fender benders at the marina to unexpected encounters with underwater hazards, a lot can go wrong out on the water. Watercraft insurance covers the cost of repairs, ensuring that a mishap doesn’t ruin your entire boating season.
- Safeguarding Against Theft and Vandalism Boats, jet skis, and other watercraft are valuable assets and, unfortunately, can be attractive to thieves. Insurance can cover you if your watercraft is stolen or vandalized, giving you peace of mind and financial protection.
- Liability Protection Accidents happen, and if you’re at fault in a boating accident that causes injury to others or damage to their property, you could be facing significant expenses. Watercraft insurance provides liability coverage, helping to pay for medical bills, repairs, and legal fees.
- Weather and Environmental Damage Storms, lightning, and even rogue waves can cause serious damage to your boat. Watercraft insurance typically covers weather-related damage, so you’re not left high and dry if the elements turn against you.
Why Boat Dock Insurance is a Must
- Protection for Your Dock Docks are a substantial investment and an essential part of your waterfront property. Boat dock insurance covers damage from storms, accidents, and even wear and tear over time. Repairing or replacing a dock can be expensive, but with the right coverage, you won’t have to worry about footing the entire bill yourself.
- Liability Coverage If someone is injured on your dock, whether they slip and fall or get hurt while boarding your boat, you could be held liable. Boat dock insurance includes liability coverage, protecting you from potential lawsuits and hefty medical expenses.
- Coverage for Attached Structures Many docks have additional structures like boat lifts, hoists, and storage sheds. These can also be covered under your boat dock insurance, ensuring that all aspects of your dock setup are protected.
Peace of Mind for Every Boater 
Having watercraft and boat dock insurance means you can focus on what really matters—enjoying your time on the water. Here’s what you’ll get:
- Financial Security: Knowing that you’re covered for repairs, replacements, and liability issues means you won’t be hit with unexpected expenses.
- Stress-Free Boating: Relax and have fun, knowing that if something goes wrong, your insurance has got you covered.
- Protection for Loved Ones: Keep your friends and family safe by ensuring you have liability coverage for any accidents that might occur.
Tips for Choosing the Right Insurance
- Assess Your Needs: Consider the type of watercraft you own, how often you use it, and where it’s stored. This will help determine the coverage you need.
- Compare Policies: Not all insurance policies are created equal. Compare coverage options, limits, and premiums with us!
Talk to an Expert: Here at MCIA, our agents can provide valuable insights and help tailor a policy that fits your specific needs.
Owning a boat or watercraft is all about fun, adventure, and relaxation. By investing in comprehensive watercraft and boat dock insurance, you’re making sure that you’re protected. Happy boating! 🚤🌞
