Hail is a significant risk in many parts of the Lone Star State. Some areas of Texas have reported hailstones measuring more than five inches in diameter! If you live in Arlington, TX, it’s wise to look for boat insurance that covers hail damage to protect your investment.

Hail can damage boats in several ways. It may break glass, crack or dent surfaces, and harm canvas, seals, and electronic devices. Additionally, storms often bring heavy winds or lightning, which can inflict further damage.

Insurance Coverage

To protect yourself against hail-related losses, it’s crucial to carry comprehensive boat insurance. While this type of coverage is generally optional, it may be required by your lender if you financed your vessel with a loan.

Comprehensive insurance covers a wide range of severe weather events, including high winds and lightning. It also insures boats against other losses, such as theft, animal strikes, falling trees, and vandalism. Additionally, this insurance may cover damage caused by a fire in a storage building.

Hull Insurance

Hull or marine hull insurance typically combines collision and comprehensive coverage. It protects against collisions with objects, like docks and other boats, as well as the weather-related events mentioned above.

Considerations

Keep in mind that a deductible often applies, so minor repairs may not be covered. You’ll also need to document the hail damage thoroughly. Be sure to take photos and report the damage to your insurer as soon as possible.

If you’re looking for dependable boat coverage, turn to the experts at Rickey McGill Insurance Agency in Arlington, TX. Our independent local agency can help you select the ideal policy to protect your investment adequately. To get started, call 817-861-3400 for a free quote from Rickey McGill Insurance Agency.