| Some people simply overlook boat insurance. | | | | insurance agent. For this reason, it is important to |
| They think that nothing bad is going to happen, | | | | know what type of coverage is available. Not all |
| when in reality, bad things often happen involving | | | | insurance companies will offer all types of |
| boats! | | | | coverage, but they will offer Watercraft Liability |
| If you own a boat, you need boat insurance. In | | | | and Watercraft Medical payments. |
| fact, many states now require boat owners to | | | | Watercraft liability covers you just like car liability |
| carry Watercraft Liability insurance before they | | | | insurance protects you in the event of an |
| transport or operate a boat. If your boat has | | | | accident where you are found to be at fault. |
| been financed, your lender will almost always | | | | Medical payments will cover medical expenses |
| require you to carry full coverage boat insurance. | | | | incurred by you and the occupants of your boat |
| Again, most people don't think anything bad will | | | | that are the result of a boating accident in the |
| happen - but bad things do indeed occur! | | | | covered water vessel. |
| Vandalism is one problem that you may | | | | Optional insurance usually includes coverage for |
| encounter. This is especially true if you dock your | | | | reasonable repairs, emergency services to your |
| boat in a marina. Vandalism can also occur when | | | | boat, motor, or boat trailer, and wreck removal. |
| you park your boat at your home, or at a hotel | | | | Wreck removal is very important coverage to |
| when traveling. | | | | have. If you boat sinks, it will need to be raised |
| When you shop for insurance, make sure that | | | | before an insurance company can access the |
| vandalism is covered on your policy. Most issuers | | | | damages and pay your claim. This is very |
| of boat insurance will only offer you the | | | | expensive, and in most states, the law requires |
| Watercraft Liability - but in most cases, you need | | | | you to remove wrecked or sunken vessels. |
| more coverage than that! Theft is another | | | | Boats may be luxury items - but they are very |
| possibility. Cars are stolen all the time - but boats | | | | expensive luxury items. |
| are stolen as well. In fact, stealing a boat is easier | | | | Repairing or replacing a boat may not be |
| than stealing a car! | | | | something that you can easily afford - but in |
| Boat insurance should cover you in the event of | | | | most cases, you will find that boat insurance is |
| vandalism, theft, sinking, fire, storms, capsizing, | | | | quite affordable. However, if you are thinking in |
| stranding, collision, and explosion. Furthermore, the | | | | terms of cost, and you think that you cannot |
| insurance should cover the boat, the motor, and | | | | afford the boat coverage, you can be certain that |
| the trailer used to transport the boat. The boat | | | | you will not be able to afford to repair or replace |
| should be covered no matter who is operating the | | | | the boat either! |
| boat, as long as they are legally allowed to | | | | No matter how you look at it, you need boat |
| operate the vessel. | | | | insurance, even if you just purchase the |
| Boat insurance will typically cover you in the event | | | | watercraft liability coverage. Again, most states |
| of malfunction as well. If something happens to | | | | now require this liability coverage for water |
| your motor, it should be covered by your | | | | vessels, and if the boat is financed, the optional |
| insurance. It should also cover you in the event | | | | coverage may be required as well. |
| that your boat needs to be towed back to shore. | | | | Discuss your boat insurance coverage needs with |
| What you are covered for depends on what type | | | | your insurance agent to determine what coverage |
| of coverage you purchased through your | | | | is right for you and your boat. |