Definition: The word "boats insurance" refers to a type of insurance that provides coverage for the cost of repairing or replacing damaged boats, such as hulls and sails. This insurance often includes liability coverage, which means that if someone else is injured while using your boat, you would be covered by the policy. Boat insurance typically covers damage caused to the boat from natural causes like weather, theft, or accidents such as storms and hurricanes. It can also cover damages incurred due to negligence on the part of a third party such as other boats in the water. Additionally, it may provide coverage for additional costs if your boat is damaged beyond its original purchase value. Boat insurance policies are typically written with a specific deductible and deductibles can be applied for by the policyholder. This means that while you pay a premium to buy insurance, you only have to pay a certain amount towards any damages or expenses incurred due to damage to your boat. Overall, boats insurance provides comprehensive coverage for your boats in case they are damaged or lost.
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