What Every Owner Needs to Know This Summer
When the sun is out and the lakes are calling, there is nothing better than launching your boat and spending the day on the water. But before you head out to Eastwood Lake, Caesar Creek, or your favorite Ohio getaway, it is worth asking — is your boat properly insured?
At Bucher Insurance, we help families in Miamisburg, Dayton, and surrounding towns make sure their boats are covered, so they can enjoy the summer with confidence.
Why Boat Insurance Matters
Many people assume their homeowners insurance will automatically cover their boat. In reality, that coverage is often limited to small vessels under a certain horsepower or size, and usually only while stored at your home.
Boat insurance provides protection specifically designed for what happens on the water, including:
- Damage to your boat from accidents, storms, or theft
- Liability coverage if you injure someone or damage another boat
- Medical payments for passengers and others involved in an accident
- Towing and assistance if your boat breaks down
- Personal belongings coverage for items lost or damaged while boating
Seasonal Risks Are Real
From submerged logs to reckless drivers on crowded holiday weekends, summer brings added risk. That is why it is essential to review your coverage before boating season begins.
What to Look for in a Policy
- Agreed value vs actual cash value
- Liability limits that reflect your assets
- Add-ons like fishing equipment coverage or trailer protection
- Navigational territory restrictions (some policies do not cover out-of-state lakes)
Ways to Save on Boat Insurance
- Bundle your boat insurance with your home or auto policy
- Complete a boating safety course
- Install approved safety equipment on your vessel
- Choose lay-up periods when your boat is not in use
Let Jon and Emily Help You Stay Afloat
At Bucher Insurance, we are not just another agency — we are your neighbors. Whether you use your boat for fishing, tubing, or relaxing on the lake, Jon and Emily Bucher will walk you through the right coverage options for your situation.
We work with trusted insurance providers to get you competitive quotes and local service you can count on.
Before you dock this article, take action.
Get a quote today or contact Jon or Emily to ask about boat insurance that fits your lifestyle.
