Insurance

Fuel Spill Liability: Crucial Boat/Watercraft Insurance In Mapleton, UT

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Life in Mapleton, UT centers around the water for many residents. Utah Lake is right there, and Strawberry and Deer Creek are pretty close, too. But with lots of time on the water, you’re more at risk of incidents happening. And one situation that doesn’t get the attention and prep it deserves is fuel spills. But this is important. Because in Utah, you’re on the hook for every single drop.

What Does Fuel Spill Liability Actually Mean?

Here’s an example. Say your boat starts to take on water, and ends up sinking in the marina. Fuel leaks out of your tank, and spreads across the water’s surface. As the owner of the boat, you’re personally responsible for the cleanup cost.

And federal and state environmental regulations don’t care about how it all went down. All they want to know is whether or not you’ve got it handled. The tab for containing the fuel and cleaning up the mess can get costly fast.

Why Standard Boat/Watercraft Insurance May Not Cover It

Most motorized vessels and personal watercraft in Utah are required by law to have boat/watercraft insurance. But state minimum liability requirements are solely focused on making sure you can take care of someone if your actions cause them to be injured or their property damaged. Fuel spill cleanup is completely separate, and it’s not always automatically included.

How Your Boat/Watercraft Insurance Can Keep You Protected

If your policy includes fuel spill liability coverage, it takes over the costly cleanup and containment that has to be done. Some policies treat it separately from your general liability. That means added protection. An agent at Maple Mountain Insurance Services can go over your policy with you to make sure you have the coverage you need in the event that this happens to you.

Talk With a Professional to Make Sure You’re Covered

Mapleton, UT, boat owners spend many of their weekends on the water. That should be time you’re chilling and enjoying your life. Not stressing about whether or not you have the right liability insurance. Get in touch with Maple Mountain Insurance Services to go over your boat/watercraft insurance and make sure fuel spill liability is included.

How Does Renters’ Insurance Work?

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If you rent your home, it’s vital that you have renters’ insurance for your own protection. Many landlords require you to have this to rent the home, but even when they don’t require it, it’s important coverage to have. If you need renters’ insurance, call us at Maple Mountain Insurance Services in Mapleton, UT. 

Covering Your Belongings

When you get renters’ insurance, the main coverage you get from the policy is for all of your belongings that are kept there. The insurance doesn’t cover the dwelling itself, as your landlord is supposed to have that insurance coverage. It’s best to document the possessions that you have for insurance purposes. Take photos of each room so that you can prove to your insurance carrier what you owned and kept in your residence. 

Liability Coverage

The other main coverage that these policies offer is liability insurance. It can pay medical bills for an accident or similar incident that happens to a third party in your rented home. Depending on your contract, it may cover other incidents as well. Make sure that you know which coverage you have and what would be covered by the liability coverage. 

Loss of Housing

Another important coverage is the loss of a habitable home. If your rented home were to be rendered uninhabitable, the insurance would pay for your living expenses as you move elsewhere. There are many instances that can render a home in this condition, and having this coverage in place can save you from going without a home if the worst were to happen.

Get Your Renters’ Insurance

If you rent your home and aren’t insured, call us at Maple Mountain Insurance Services in Mapleton, UT to talk with an agent about this coverage.