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Indiana Boat Insurance Article

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Don’t Forget the Motor: Boat Insurance for Motor

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Before you take your boat out on the water, make sure you have the right amount of boat insurance. This includes not only damage to the boat, but also boat insurance for motor and other internal parts. Damage can occur to these parts as well and can be very expensive to repair. If you take your boat out often, you increase your chances of getting debris caught in the motor, burning out the motor, and other types of damage. Having boat insurance for motor will help off set the costs that may incur if you need to have parts replaced or you need a whole new motor.

For certain boats, you may need to take out a separate insurance policy for the motor. While this may cost you more money each month, the cost of a new motor can be several thousand dollars. Boat insurance motor will help protect you from having to pay for these costly repairs. If you are taking out an insurance policy that includes motor coverage, make sure that the coverage is detailed as there are many parts to the motor. While some of these parts will be covered, there are insurance policies that do not cover everything.

If you recently replaced the motor, you should insure the new one with boat insurance motor. You can do this by contacting your insurance agent of by taking out an insurance policy from the motor manufacturer. Many times you can find a policy that will cover the basics and more that will not cost as much as other policies. Also, motor manufacturers will be able to fix any issues you have because they are the most familiar with the product. New motors may even come with a one or two year policy that will cover most issues. Make sure you read the warranty so you will know what your coverage is.

For motors that have been rebuilt, you may need to take out a policy that does not cover as much on the motor. This type of boat insurance motor will cover basic items, but not speciality parts. But it you rebuilt the motor yourself, you will be able to find parts needed. Rebuilt motors usually work just as well as newer motors, but insurance companies usually do not offer the same amount of insurance.

Having the right amount of insurance depends on the age of the boat, parts, and what the owner feels comfortable with. If you feel you need more insurance, you can always purchase extra. Boat insurance motor is a good idea, especially if you have an older motor.


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