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MedInsure Group

14567 N Outer 40
Suite 300
Chesterfield, MO 63017

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Does Boat Insurance Cover Pets on Board?

Keeping your Pets Safe on the Water with Boat Insurance

Boat insurance covers more than you might imagine, and you might be able to get some money to help cover the medical expenses of pets that are injured in a collision while on your boat. For those that live in the Chesterfield, MO area, or around the state, the agents with Medinsure Group can help you find the policy that works best for you.

When it comes to pets and having them on board with you while you are boating, there are certain risks that you take. There is no way to specifically cover pets that are on board with you when you have an accident, but you may be able to get more in terms of liability coverage. You can then use that money to help pay for your pets medical costs. There is no right way to insure a pet specifically on a boat. If you are going to be boating very often with your pet on board, you may want to look into a pet insurance policy to help cover the costs of any issues that you have to take on.

For the most part, your boat policy is going to be geared toward paying the medical costs of people that were in the accident, the cost of repairing or replacing the boat or boats in question, and sometimes a monetary settlement as a result of a liability policy. If you have a pet that you are going to be boating with often, it is always best to look into more specific policies, even if it is a different type of insurance all together.

For those that live in the Chesterfield, MO area or around the state, the agents with Medinsure Group can help you find the policy that works best for you and your boat.

Common Types of Damage Covered by Homeowner’s Insurance

Homeowner’s insurance is the best way to protect against several unpredictable sources of damage that can happen to your house and property. Some common causes of damage routinely affect homeowners, but these can be mitigated with proper coverage. 

Severe Weather

Things like snowstorms, tornadoes, high wind, and hail events happen regularly, and homeowner’s insurance will usually factor the particular weather risks in your area into the policy. Some locations will require a separate policy for flood insurance. After a severe weather event, most providers will send an adjuster to your house to assess the damage and decide on an amount to provide for repairs. 

Vandalism and Theft

The possibility of being a victim of a crime is an unfortunate reality of daily life. Thankfully, if someone maliciously damages your home or steals your property, homeowner’s insurance will provide coverage for repairs and replacements after a claim is submitted. 

Fires

Whether caused by a cooking accident, faulty wiring, or nearby natural conditions, fires represent a significant source of risk to homes. This is why homeowner’s insurance policies specifically protect against fire damage. The process to make a claim for fire damage is similar to severe weather, with an adjuster assessing the amount of damage.

For more information about homeowner’s insurance in the Chesterfield, MO area, please contact Medinsure Group. Staff members are ready to answer any questions or concerns you may have about your insurance needs, and they can design a policy for you that takes risks specific to the Chesterfield, MO area into consideration. The Medinsure Group has extensive experience with helping customers just like you. 

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