Investing in a boat is a great way to explore the outdoors, whether you’re a fan of lakes or rivers. If you’re a boat owner, you may be wondering if it’s possible to combine boat insurance with additional policies. In most cases, the answer is yes. At Trestle Insurance Agency Inc., serving Evansville, IN, we’ll work with you to find policies that are ideal for the type of coverage and protection you need, whether you’re a seasonal boater or if you use your vessel year-round.

Common Policies Combined With Boat Insurance

Boat insurance is frequently bundled with the following:

• Auto insurance: This may help you qualify for multi-policy discounts
• Home or renters insurance: Streamlining your insurance is helpful for managing all personal coverage under one insurer
• Umbrella insurance: Adds an additional layer of protection (liability) beyond standard boat insurance policies
• Recreational vehicle: Ideal if you’re the owner of ATVs, RVs, or even motorcycles

How Umbrella Insurance Fits in With Boat Insurance Policies

Boat liability limits can be exceeded when you’re involved in a collision or a serious accident that has resulted in injuries. When your boat insurance is combined with umbrella insurance, your policy provides additional protection and coverage for legal fees, judgments, and potential settlements.

Benefits of Combining 

Bundling boat insurance can help lower your overall premiums (through multi-policy discounts) while simplifying billing and renewals. You’ll also receive a reduced risk of coverage gaps, which can protect you year-round.

At Trestle Insurance Agency Inc., we specialize in assisting clients with boat insurance and add-on policies, even if you’re unfamiliar with your options. Whether you’ve just purchased a boat for the first time or you’re seeking additional coverage, we can help. If you’re located in or near Evansville, IN, contact us for your quote and consultation today.