Leaving your boat at the marina should provide peace of mind—not leave you worrying about what might happen when you’re not around. Unfortunately, theft and vandalism can occur, even in well-maintained and secure marinas. At Hermes Insurance Solutions in Sanger, TX, we frequently receive inquiries about whether standard boat insurance policies cover such incidents. The short answer is: it depends on your policy.
Understanding Comprehensive Coverage
To be protected against theft or vandalism, you’ll typically need comprehensive coverage as part of your boat insurance policy. This type of coverage is designed to handle non-collision-related losses, such as fire, weather damage, theft, and vandalism. If someone breaks into your boat and steals equipment or causes damage, comprehensive coverage can help cover repair or replacement costs.
What’s Actually Covered?
Coverage details can vary depending on your policy and provider. Some policies may include protection for personal belongings stored on the boat, while others might not. If you frequently store expensive gear or electronics on board, it’s a good idea to speak with your agent about adding extra protection for your personal property.
Review Your Policy Before You Dock
While marinas often have security measures in place, even the best systems can’t guarantee complete protection. That’s why it’s wise to review your boat insurance policy before leaving your vessel overnight or for an extended period. A few simple updates to your coverage can make a significant difference.
If you’re unsure about what your current policy includes or want to ensure your boat is fully protected, contact Hermes Insurance Solutions in Sanger, TX. We’re here to help you navigate your coverage with confidence—so you can enjoy every moment on the water, worry-free.
