Category: Boat/Watercraft Insurance

Nothing can be more relaxing and renewing than getting out on the river or lake and spending time in nature. This is why many people spend their summer vacations boating, either in a canoe, kayak or even a larger boat of some sort. If you’re a Byram, MS resident and you have just purchased a kayak, you’re probably quite excited. You may wonder if you need insurance coverage for your kayak in Byram, MS.

Here is a brief overview that can help you understand what is required before you can enjoy your kayak:

Exempt from Registration

In the state of Mississippi, kayaks and other non-motorized boats are exempt from registration. Since it’s not necessary to register your kayak, having it insured is not required. However, many people opt to purchase insurance policies for their kayaks as an added measure of security. 

Safety Rules and Regulations

Even though you’re not required to cover your kayak under insurance, it’s mandatory that you follow certain rules and regulations set forth by the state to ensure your safety while out on the water. You should check with the state government to obtain a full list of these rules and regulations before heading out on the water. You will find rules like boating education, necessary boating safety gear, and much more. It’s better to be informed ahead of time instead of going out on the water not knowing. 

Call Today To Discuss Your Options

As you can see, it is not a requirement to purchase insurance coverage for your kayak, but it’s always a good idea to have insurance. We at Riverside Insurance Agency Inc. are available to meet all your boating insurance needs and more. Contact us at Riverside Insurance Agency Inc. today for a quote so that we can get your new insurance policy started if you decide to do so. 

You’ll have numerous options to choose from when you select a boat insurance policy for your boat. Riverside Insurance Agency Inc. can provide you with boat insurance coverage if you’re a boat owner in Byram, MS. 

It’s important to consider all the pertinent information in choosing the policy details that are right for you.

The following are three important pieces of information you need when you buy boat insurance

The value of your boat

Boat insurance policies usually offer full replacement cost coverage. Keep the total value of your boat in mind when you’re looking over policy details for your boat insurance.

To enjoy full coverage, you need to have policy maximums for collision damage that aren’t any lower than the full value of your boat. 

The navigational range over which you want to be able to navigate

The navigational range that your policy specifies is one of the most important details of your policy that you need to pay attention to. When you’re outside this range, your policy isn’t going to cover you.

Make sure that your policy is in effect in all of the waters in which you envision using your boat in the future within your policy term. 

The boat insurance coverage requirements of your marina

Many marinas have boat insurance coverage requirements for boaters that keep their watercraft at their facilities.

If you keep your boat at a marina, check on the insurance coverage requirements of your marina and make sure that your policy meets them. 

Give Us A Call

If you have questions about choosing boat insurance, we’re here to provide you with information that can help at Riverside Insurance Agency Inc. Boat owners in Byram, MS can get in touch with us today so that they can get a quote on a boat insurance policy that is just right for their needs. 

Boating is a great way to get outdoors and spend time with family. To make the most of your boat ownership, it is imperative that you have proper boat insurance. At Riverside Insurance Agency Inc we want to help our clients make confident insurance choices. Keep reading to learn more about boat insurance in Byram, MS and the surrounding areas. 

Do I Need Boat Insurance?

Although boat insurance is not required in every state in order to operate a boat legally, it is the best way to protect yourself and the investment you have made in your boat. If the boat is damaged or lost, you will be responsible for repairs or replacement if you do not have an insurance policy in place. If you damage someone else’s boat, you will be liable for the cost of repairs or replacement of their boat. If someone is injured because of your boat, you will also be liable for medical expenses and even legal fees in some cases. 

A solid boat insurance policy will cover these types of expenses. 

What Does Boat Insurance Cover?

Most boat insurance policies will provide the following basic coverages:

• Property damage- If the boat is damaged or lost due to fire, natural disaster or burglary, the insurance policy will kick in to reimburse your cost of repairs or replacement. 
• Liability- Liablity coverage will pay any expenses incurred if your boat is involved in an accident that damages another boat or causes injury to a person. 

If you would like to learn more about boat insurance, or any of our other products, please contact us at Riverside Insurance Agency Inc, serving Byram, MS and the surrounding areas.