As summer approaches, it is important to review your current boat insurance policy. Do you have the appropriate Liability Insurance and Physical Damage Insurance?www.rickclineagency.comSome simple tips to properly insuring your boat this summer.1. Look beyond your home insurance policy for coverage. In many cases, the home policy does not extend adequate coverage for your boat physical damage and liability insurance needs2. Consider Specialized coverages. Roadside assistance, On water towing, Uninsured Boaters coverage, Fuel Spill Liability, Wreckage removal, Personal Property coverage and fishing equipment.3. Travel coverage. If your boat travels with you, make sure you are covered out of state. With several carriers, this is an option4. Agreed Value vs. Actual Cash Value. It is not that much more to insure your boat at agreed value instead of actual cash. This will provide full replacement of your boat if it is stolen or sinks!5. Physical Damage coverage for the boat/hull, motor and trailer. It is important to insure all of the items with your boat for physical damage. 6. Liability protection. Many of our carriers will insure your boat with limits as high as $500,000. Many local lakes require this coverage in order to navigate their lakes.7. Look to an independent insurance agent that represents several insurance carriers.Progressive Insurance may be a great option for your boat insurance needs. Call today for a quote.Rick ClineAll Access Insurancewww.rickclineagency.comwww.affordableamericaninsurance.com