Are my electronics covered under my boat policy?

Whether you are running a Tracker, Crestliner, Ranger, Nitro, Lund, Bass Cat, Phoenix, Skeeter, Gambler or other brand of fishing boat, chances are getting better and better that you could have between $500 to $25,000 worth of electronics.  

Be it Lowrance, Garmin, Humminbird, Side Imaging, Panoptics, LiveScope 360, Mega Imaging, Active Target or any other toy you have, do you know if it's covered under your policy?

This is a very difficult question with many answers.  Don't be caught by surprise.   This answer varies by your insurance company.  How do they define permanently mounted?   Is theft covered under your renters or homeowners insurance?  What's your deductible?  Does my company require an endorsement?  What's your sublimit?  Is there coverage if I have a power surge? Do I need to keep my serial numbers and receipts?

These are questions you should be asking someone that knows.   Call us for a review, and tight lines!

https://djcins.com/

Photo Credit: James Overstreet   https://www.facebook.com/jamesoverstreetphotographer