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yacht on waterWith the purchase of a yacht comes a wide range of benefits. Now, you can spend time out on the water with friends. You can entertain in a new way. You can just spend your time going from one area of open water to the next coast. 

It is important to ensure you have the right type and amount of yacht insurance in place for your adventures. Most yachts are high value. It pays to spend a bit more time picking out the most suitable insurance policy for your needs.

Key Features of Yacht Insurance

Yacht insurance policies are customizable to meet most needs. It is important to spend some time creating a policy that is best for you. This will include considering your boat, how you use it, and how you store it. 

There are several components of these policies to take into consideration.

Protect Its Value

Choose a policy that will totally protect the boat's value in an accident. This component of the policy should be at least enough to cover the value of the boat. 

Replacement value allows you to replace the boat with one that is of equal value if it is a total loss. Actual cash value is often much less, rated at only the amount that the boat is worth at the time of the incident.

Protect Your Contents

Most yachts contain a large amount of goods and content. They may carry diving equipment, personal belongings, GPS equipment and other things. Your boat insurance should cover this value as well.

Minimize Liability Risks

It is also important to choose a policy that limits your liability risks should the boat strike another person or object. It can also help in instances in which your passengers fall or are otherwise hurt while on your boat.

Work your boat insurance provider to keep your investment safe. The right yacht insurance keeps your investment safe and ensures that you do not have to worry should an accident occur. The right plan should take into consideration the value of your boat specifically.

Insuring your yacht is often a very complicated process. You can visit Voyager Insurance’s website to learn more about insuring this valuable piece of property. Call us today at (800) 262-8990 if you have questions.
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