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.
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:
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…