From Horseshoe Lake to the stretch of the Mississippi near the Chain of Rocks, Granite City has no shortage of places to launch a boat or jet ski. Most local boaters know their watercraft needs its own coverage. Fewer realize that an umbrella policy only works well when the boat underneath it is insured the right way.<\/p>\n
An umbrella policy adds liability limits above your existing policies, not in place of them. Most umbrella carriers require you to carry certain minimum liability limits on your auto, home, and watercraft policies, often called underlying limits. If a serious boating accident leads to a large claim, the boat policy pays first, and the umbrella generally steps in once those underlying limits are used up.<\/p>\n
Illinois requires many motorboat operators born on or after January 1, 1998 to complete a boater safety course, and Missouri has its own requirements for the other side of the river.<\/p>\n
The off-season is a good time to compare your watercraft liability limits with your umbrella’s underlying requirements, confirm every boat and jet ski is listed, and review how guests are covered. Our post on fuel spillage and boat insurance<\/a> covers another watercraft risk worth knowing.<\/p>\n Maryland Moats Lexow Insurance in Granite City, IL can line up your boat policy with your umbrella insurance<\/a> so the layers fit together. Policy terms vary. Boaters across Granite City, IL and the Metro East can reach out to Maryland Moats Lexow Insurance<\/a> anytime.<\/p>\n","protected":false},"excerpt":{"rendered":" From Horseshoe Lake to the stretch of the Mississippi near the Chain of Rocks, Granite City has no shortage of places to launch a boat or jet ski. Most local boaters know their watercraft needs its own coverage. Fewer realize that an umbrella policy only works well when the boat underneath it is insured the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[46,14,45,13,24],"class_list":["post-91","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-boats","tag-granite-city","tag-jet-ski","tag-maryland-moats-lexow-insurance","tag-umbrella-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t