Does Boat Insurance Cover Any Driver or Only Specific Drivers?

When you purchase a boat, you may envision spending many days on the water. Buying boat insurance can help in case you are involved in any accidents while enjoying your boat. One of the questions that we are often asked at Allegiance Insurance Agency, serving the greater Richardson, TX area, is whether boat insurance covers only the policy holder or if someone can borrow the boat and be covered. Here is some information you need to know about boat insurance and covered drivers.

When you are purchasing a boat insurance policy, you will be asked who will be driving the boat. These are considered covered drivers. If you plan on letting anyone aside from you drive the boat, you will want to list their names here. If they are not listed under the covered drivers portion of your insurance policy, they are not covered under standard liability coverage boat policies. As such, it is extremely important that you list any individuals who may be borrowing your boat, including grown children, siblings, or other friends.

The exception to having to list each driver on a boat insurance policy is if you purchase umbrella coverage boat insurance. Umbrella coverage will cover any driver operating your boat as long as they are not specifically excluded from the policy. If you plan on letting people borrow your boat often, this type of insurance may better fit your needs, while insuring the boat is properly covered if it is involved in an accident.

If you are looking to purchase boat insurance in the greater Richardson, TX area, visit Allegiance Insurance Agency today. We can help answer any questions you may have and price out various boat insurance policies to help you find one that best meets your needs and fits within your budget.

Choosing the Right Health Insurance for Your Family

The Allegiance Insurance Agency is proud to serve the insurance needs of the Richardson, TX area and invites you to come and learn more about what we can do for you. We understand how complicated insurance can be and our trained agents are here to help provide guidance as you navigate the process. Health insurance is increasingly more complex and choosing the policy that is best for your family can feel like a daunting task. Do not despair, we are here to help you in your search.

Health insurance varies quite a lot in the level of coverage and the extent of how much hospital visits and testing are covered. Additionally, there are decisions to be made relating to deductibles and co-pays. If your employer does not provide health insurance, or if you are self-employed, knowing all you need to know to make an informed decision can be overwhelming. It is for these main reasons that we provide health insurance in addition to home, auto, and life, as it is our belief that our clients can benefit from our knowledge base across all insurance types. Health insurance coverage offers a lot of peace of mind and it is something that every family should have. We can help you to determine which policy is the right fit for your family’s needs. Professional insurance agents are here to help you understand your needs and the right way to make sure that they are adequately covered. You do not need to go through the process alone.

If you are in the Richardson, TX area and need health insurance, please contact us today and learn more about how the friendly agents at Allegiance Insurance Agency can help you find the right health insurance for your family.