Taking your boat for a cruise this summer? Make sure you’ve got it insured

Emma Bartz

ebartz@orrinsurance.net

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Living in a beach town is a privilege I have enjoyed most of my life. In Goderich and the surrounding area, we are lucky to have multiple marinas and launches close by, making it easy to get out on the water.

Alongside the fun of owning a water toy, however, comes the responsibility of finding the right insurance for it. Fortunately, when it comes to coverage for cruisers, sea-doo’s, sailboats, and other vessels, there are options. Many of us will have a property insurance policy that offers coverage where the length, value, and horsepower of our boats are within certain parameters. If outside those parameters, it’s possible the vessel can still be added as a listed item on that policy, bundling the cost with existing payments and keeping things simple.

There will be situations where a broader or more specialized policy style is required. Some examples could be where the boat value, contents, or engine exceeds what the property insurance policy allows, using a boat for business purposes, entertaining clients, or needing coverage in waters outside our inland lakes. Orr Insurance can provide options from companies that cater to these specific needs.

Whether taking the jetski to grab a bite in Grand Bend, pulling excited kids on a tube, sailing the St. Lawrence, or spending the summer cruising the North Channel, we have a policy that will cover you and your watercraft the right way.

Don’t forget sunscreen!