At Saucon Insurance Agency, serving the greater Bethlehem PA, we can help individuals obtain boat insurance. Unfortunately, though, we often find that people believe many myths related to boat insurance, and as such, don’t believe they need boat insurance or don’t have the right coverage for their needs. Here are three common myths related to boat insurance and the truth surrounding these myths. 

Home Insurance Covers Your Boat

One of the myths related to boat insurance is that it isn’t needed because home insurance covers a boat stored on your property. Some home insurance policies will cover a boat stored in your garage or backyard, but most are starting to exclude toys stored at your home, including boats and four wheelers. As such, it is important to have a separate boat insurance policy to cover your boat. 

Boat Insurance Covers You Wherever You Go Boating

Another common myth is that boat insurance covers you regardless of where you boat. This is not true. Some policies limit what types of bodies of water you can have your boat in, what states you can have your boat in or where you can travel in your boat. Always review your policy to ensure your boat is covered wherever you plan on using it. 

Boat Insurance is Not Required By Law

Lastly, some people believe boat insurance is not required by law. Most states, including Pennsylvania, require boat insurance in order to register and operate a boat. If you want to lawfully and legally use your boat, you need boat insurance. 

It may not be boating season, but boat insurance is still important. If you need boat insurance in the greater Bethlehem, PA area, contact Saucon Insurance Agency. Our trained professionals can help to answer any questions you may have or help you find the right policy for your needs.