Beyond covering a boat owner in the event of theft, boat insurance policies typically provide coverage to repair a boat if it is accidentally damaged or destroyed due to a collision or because the boat struck a submerged object. Property damage to a boat caused by vandalism, a windstorm, or lightning are also covered under most boat insurance policies.
Understanding the unwritten rules of the water isn’t just about being polite. It helps keep the water safer and less stressful for everyone.
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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.
There are nautical apps for every type of boat and sailor… we’ve waded through the overwhelming offerings in both the Apple and GooglePlay stores to compile this short list of top-rated (4+stars), FREE or inexpensive (< $2.99) boating apps for you.
The change of season is the perfect time to get your insurance “house” in order. By reevaluating your policies now, you may save money and headaches later.
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:
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…