When you think about boat insurance, your mind probably goes straight to the boat itself—its engine, hull, and maybe the trailer. But what about the gear you bring along for the ride? From fishing equipment and water skis to coolers, electronics, and even your favorite pair of sunglasses, your personal belongings can quickly add up in value. At AlphaSure Affordable Insurance Services in San Antonio, TX, we’re here to help you understand what’s actually covered—and what might need a little extra protection.
Not All Policies Are Created Equal
Many standard boat insurance policies offer some level of personal property coverage, but it’s often limited. For example, a policy might cover personal items up to a specific dollar amount, provided that damage or loss occurs under certain specified circumstances. That means if your gear is stolen while docked, you may be covered—but if it’s lost overboard during a rough ride, you might be out of luck.
Consider Scheduled Personal Property Coverage
If you regularly bring high-value items aboard, it’s worth exploring scheduled personal property coverage. This add-on allows you to list items and insure them for their full value individually. It’s a smart move if you have specialized fishing gear, marine electronics, or anything else you wouldn’t want to replace out of pocket.
Peace of Mind on the Water
Boating should be about fun and freedom—not worrying about what might happen to your belongings. With the right insurance in place, you can enjoy every outing knowing you’re protected.
If you’re unsure what your current policy covers or want to explore better options, contact AlphaSure Affordable Insurance Services in San Antonio, TX. We’ll help you navigate the best coverage for your boat and everything you bring along for the ride.