When the boating season winds down, it might be tempting to cancel your boat insurance. However, at Keltner Insurance in Memphis, TN, we believe it’s essential to maintain coverage year-round. Here’s why keeping boat insurance during the off-season is smart.

Protection Against Unforeseen Events

Even while docked, your boat can face risks such as theft, vandalism, or storm damage. Comprehensive insurance ensures you’re covered for these unexpected events, protecting your investment from costly repairs or replacements. Weather can be unpredictable, and having coverage means you won’t be caught off guard.

Liability Coverage

Accidents can happen anytime, even when your boat is not in use. Liability coverage can protect you from legal and medical expenses if someone gets injured on or around your docked boat. This peace of mind is invaluable, preventing potential financial strain and ensuring you’re prepared for any situation.

Financial Security

Maintaining insurance can also prevent gaps in your coverage history. Continuous coverage may qualify you for loyalty discounts, potentially lowering your premium in the long run. Plus, it ensures you’re always protected, avoiding surprises when it’s time to hit the water again. This consistent coverage strategy can save you money over time.

Peace of Mind

Knowing that your boat is covered, regardless of the season, provides peace of mind. You can focus on planning your next adventure without worrying about potential risks during the off-season. Enjoy the freedom of knowing that your boat is protected.

For a customized insurance plan that fits your needs, contact Keltner Insurance in Memphis, TN. Our team is here to help you navigate the best options for protecting your boat all year round.