Do You Need Insurance for River Boats?

At All-Star Insurance Brokers Inc, we have many Aurora, CO residents ask us if they need insurance for their riverboats. Here’s what you need to know about this question.

You Don’t Technically Need Insurance

Colorado law currently doesn’t require boat owners to have any sort of coverage on their vehicles. This lack of coverage need extends not just to typical lake boats but riverboats as well. These specialized vehicles allow boaters to quickly move down the river and see different areas with ease.

Some of these boats may have unique designs that help them stay above shallow boating areas, such as a design that lets them stay as close to the surface of the water as possible. But, often, they are pretty pricey – meaning that you may still want to have some protection for them anyway.

Why You Should Still Get a Policy

Even though you don’t technically need an insurance policy for your riverboat, just think about what would happen to you financially if you didn’t have it. A good approach of this type will help to:

• Protect against damage caused by river rocks
• Cover liability costs if people get injured as you ride
• Pay for replacements to your boat if it gets destroyed
• Protect against fire, flood, and other problems

These benefits make boat insurance a wise choice for river boaters. It is brilliant for those who take people down the many whitewater rapids throughout the state. There’s no reason why you need to put your boat at more risk by not getting one of these insurance policies.

How We Can Help

Please don’t hesitate to contact us at All-Star Insurance Brokers Inc if you want boat insurance. We help Aurora, CO residents and many others get the coverage that they need.