209 S. Black Horse Pike
Mt Ephraim, NJ 08059
With the Delaware river close by, and the Atlantic Ocean not that far away, boating is a popular activity in Mt Ephraim, NJ. With rivers, lakes and oceans, there are also a lot of different kinds of boats - from simple sailboats, to small motorboats to bit yachts. As you enjoy your boats on area bodies of water, it is important to think about insurance.
Local insurance agents, like Marino Agency Inc. can help you get the coverage you need. There is, of course, liability coverage which covers you if you cause some damage. You can also get "hull" insurance, which is equivalent to collision and comprehensive automobile insurance. In New Jersey you are not required to have boat insurance, but you may want to have it just in case. The peace of mind of knowing you are covered has its value. Having your boat registered in New Jersey is the law, but some people do not get this done. You will have to register your boat to get boat insurance in New Jersey.
Since Mt Ephraim, NJ is near the coast, there is also the possibility of a hurricane. There is a rider on some policies that allow you to be covered for the expense of hauling your boat out of harm’s way in the event of a hurricane warning. Another thing to be aware of if that boat insurance is not the same thing as personal watercraft insurance. If you want your water skis covered, you will need a separate policy.
When insuring your boat, you will need to work out an agreement with the agent as to the fair market value of the boat. Many policies do not cover full replacement, cut rather cover the fair market value.
Come by and visit, or call the Marino Agency Inc. to find out how we can help you get your boat insured. Enjoy your boat on the many waters of New Jersey, and have the peace of mind of knowing that you are covered if an accident were to happen.