Boaters know that there is much more to safely operating a watercraft of any size than simply driving a car down the road—and often there is much more at stake. And so it is with marine insurance, there are numerous factors to consider when determining the optimal policy for your watercraft. The following is a list of some important factors that can influence the type of boat insurance coverage that best suits your needs.
Making sure your boat insurance policy fits your boating needs is the most important first step. After we work together to determine the appropriate coverage for your vessel, there are several additional items to consider that can potentially influence the cost of your boat insurance premium.
Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low. You may need to purchase a specifically designed policy in order to insure these vessels. The personal watercraft policy covers: Bodily injury Property damage Guest passenger liability Medical payments Theft Typical policies include…
There are thousands of recreational boating accidents per year. To prevent boating accidents, we offer these safety suggestions. 1. Check weather forecasts before heading out…
Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with…
9 Steps to Prepare Your Boat for the Season.
The temperature is rising and it’s time to get your boat on the water. Make sure you perform these checks before you go out to avoid preventable issues.
This is the time of year when many people start to consider purchasing a sailboat or powerboat. Many people, however, are unaware of the significant loss exposure this creates, and some people mistakenly believe that…
