If you own a boat, you have probably considered boat insurance to protect your investment. Before you make the big purchase, there are a few things you need to know so you can ensure you are completely protected by your policy. BestRate Auto Insurance of Statesboro, GA, is here to help with all of your insurance needs.

Here are a few things you should know about boat insurance:

• Is The Boat Covered When Out Of The Water? The answer to this question is a bit complicated. It is covered when it is attached to your vehicle, but by your auto policy—not your boat policy. If the boat is out of the water and not attached to a vehicle, then it is not covered by either.
• How Is Boat Insurance Different From Auto Or Home Insurance? A boat policy is like both an auto and homeowners insurance policy in many ways. A boat policy protects you from liability, just like home insurance. It also protects you from bodily injury, just like auto insurance. However, unlike both of those, you can suspend coverage for a specific amount of time when the boat is not in use. 
• Do I Really Need Boat Insurance? If you are not required to do so by law, then you are not technically required to have boat insurance. However, keep in mind that your boat is a major investment, and you likely want to protect it. Your home insurance will not always extend to your boat, so boat insurance is a smart option. 

Speaking to insurance companies can help you find the ideal boat policy for your needs. When you’re ready to find out more, call BestRate Auto Insurance in Statesboro at (912) 489-5942 for expert advice on all of your insurance needs. You can also visit their website to find out more today.