Boat & Yacht Insurance
We know all boaters are busy preparing their boats for spring and summer use. Remember, having the proper boat insurance will help ensure your activities are covered. Boat or marine Insurance can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Boat & Yacht Safety Tips
Here are a few thoughts to help you as you prepare your boat for spring and summer use.
- Have us review your boat insurance to make sure you are covered properly.
- Make sure your boat trailer is insured.
- Inspect your boat before heading out. Check for hull damage and loose fittings. If the boat has a plug, make sure it fits.
- Check the battery. If it has been a few years since the battery was replaced, it may be time.
- Check all lights and the horn. You may have wiring that needs to be repaired for proper night use. Electrical fittings can be protected with a water-repellant, non-conductive grease or corrosion inhibitor.
- Test all life jackets to make sure they are in good working order.
- Take care of the engine. Flush your engine after every outing, and check everything from your fuel tanks to the clamps on your fuel line for rust, damage or corrosion. Also, check your oil for correct levels, proper filtration, and cleanliness.
- Check the tires on your trailer.
- Make sure the bilge pump is properly working. Check all fittings and test the pump before use.
- Do some research about boating laws and regulations. You might even consider taking a boating safety course. And never drink and drive a boat.
Remember, we provide insurance solutions for all your boating, RV, motorcycle and ATV needs. When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace. Call us today.