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Express Financial & Insurance Services

3222 Santa Monica Blvd
Santa Monica, CA 90404

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Does Boat Insurance Cover Dry Dock Damage?

If you are planning on buying a boat, or have purchased a boat recently, you may have questions about your insurance coverage. Knowing the specific details of your boat insurance helps you more effectively protect your investment and prepare for use or storage year round. One of the most pressing questions boat owners have is whether or not their insurance protects the vessel when it is in dry dock storage. 

Does My Policy Protect My Boat While In Dry Dock?

Most boat insurance policies do not cover the vessel when it is in dry dock, or even out of the water. The good news is, however, that most dry dock facilities do carry liability coverage that covers any damage or loss of the vessel while located on the premises. If you decide to store your boat on your property, you can extend your home insurance coverage to include the boat in most cases. It is important to discuss the limits of liability that the dry dock facility carries to ensure your boat is protected. Likewise, you should check with your insurance agent regarding the ability of your home insurance to protect your boat and make any necessary adjustments before storing the vessel.

Get The Coverage You Need

If you are shopping for boat insurance, it is important to do business with a company that has experience with this type of policy and is dedicated to helping you get the insurance you need from start to finish. Reputable insurance providers such as Express Financial & Insurance Services serve the residents in and around Santa Monica, CA, and are committed to helping you get the coverage you need.

Don’t take chances with your valuable investment. If you live in or near Santa Monica, CA, call or stop by Express Financial & Insurance Services to speak with a helpful, knowledgeable insurance representative today.