Protecting Your Watercraft Investments With Boat Insurance

Every summer, thousands of boats hit the world’s oceans, lakes, rivers, and waterways. Being that boats are often a large expense, it is surprising how many boat owners neglect to insure their valuable toys. If you have a boat or are planning on purchasing a boat, boat insurance should be on the forefront of your mind.

Boat insurance protects boat owners in the event of loss or damage of their vessels. All forms of motorized water vehicles are covered under boat insurance policies, even jet skis. Boat insurance includes typical coverage that you would expect from such an insurance policy, but there are also some specialized forms of coverage that offer extra protection so you can hit the waters care-free, ready to enjoy all that your boat has to offer.

Standard Boat Coverage:

  • Collision
  • Comprehensive
  • Bodily Injury and Property Damage Liability
  • Medical Pay
  • Uninsured Boaters

These standard forms of boat insurance coverage may be enough for some people, but many boat owners choose specialized coverage features for added protection and peace of mind. If you plan on buying a boat, more than likely it will be a major investment of thousands of dollars. Therefore, specialized coverage may be ideal for you.

Specialized Coverage:

  • Total Loss Replacement – As the name suggests, this specialized boat insurance coverage provides reimbursement for the entire value of a stolen or unsalvageable vessel.
  • Replacement Cost of Personal Items – Many boaters hit the water with certain valuables on board. With this special coverage, you never have to worry about losing the monetary value of any of the personal belongings that you take on board.
  • Disappearing Deductibles – This is a valuable coverage add-on that lowers your deductible by 25 percent at the time of renewal if no claims have been made during the policy period.
  • Emergency Towing and Labor – Modern boats may be more dependable than ever before, but many boat owners can attest that boats are no stranger to breaking down on the water. With Emergency Towing and Labor coverage, you never have to worry about how you’re going to pay for costly emergency services.
  • Wreckage Removal Coverage – Standard boat insurance policies that have collision or comprehensive coverage may cover the replacement value of a boat up to the policy limits, but if your boat is wrecked out at sea, you must pay for the wreckage removal out of your own pocket. Due to the nature of wreckage removal, this service often costs thousands of dollars. Wreckage Removal coverage is a valuable feature that every avid boater should consider, especially those who regularly hit the high seas.

Losing, wrecking, or damaging your boat can put a damper on your summer fun. A relaxing fishing trip can turn into a nightmare rather quickly if you end up in waste deep water without boat insurance. If you prepare for the worst, and bundle your boat insurance with your auto and home insurance at a reduced cost, your boat and your wallet will thank you for years. By visiting, you’ll be able to search the top insurance companies in the industry and receive the best boat insurance rates the market has to offer.

Water Craft and Water Fun: Ideas For The Family

Investing in the right water craft can allow you to enjoy a range of opportunities and ensure that the entire family is able to benefit from the most exciting and enjoyable recreational sports and activities. From sailboats to jet skis, finding the best craft to meet your needs will ensure that you are not limited in your options when it comes to having fun in the sun. Finding the craft that will have the most to offer you and your family can do much to improve the recreational Read the rest of this entry »

Top 5 Watercraft Ever Produced and Their Designers

Learning more about the most popular and best-selling boats and watercraft ever to make waves will ensure that you are able to invest in the best designs and vessels available should you be interested in purchasing a new boat. With the sizable investment of most watercraft, making your selection more carefully will ensure that you are able to find a boat that will better meet your needs and provide you with a superior value. Exploring the top five Read the rest of this entry »

How Many Different Kinds Of Water Craft Is There?

Watercraft today can be as unique and varied as the people who use them. Everyone has seen ski boats, fishing boats, and maybe even a yacht when out on the water, but have you ever stopped to wonder just how many different kinds of watercraft are working, cruising, or playing in lakes and rivers on any given day?

Pleasure craft are the first type of watercraft that most people would think of. However a boat that is great for water skiers Read the rest of this entry »

Personal Safety Water Craft: What You Need To Know

Boating has always been a popular pastime, and the number of private boat owners has significantly increased in recent decades. Fishermen who are lucky enough to live close enough to good fishing lakes frequently spend most of their leisure time during the summer fishing and enjoying the lakes that they visit. Boating is an excellent way to provide fun for the whole family, but safety precautions must be taken. Many people believe that just because they Read the rest of this entry »

Everything You Need To Know About Personal Water Craft

Millions of jet skis and other forms of personal watercraft are taken to rivers, lakes, and oceans every single year and they may be the perfect option for anyone that would like to add excitement to their next trip. For those that are ready to make a purchase, there are a few essential considerations to make about PWCs and how they function.

There are two primary forms of personal watercraft including standup and sit down options. Many manufacturers offer both of Read the rest of this entry »

Fueling Your Boat vs Fueling Your Car

Putting gas in the tank of your car is not the same as fueling your boat. The two are very different. When fueling a car, the hose goes into the fuel fill opening and you pull the lever to begin the process. Once the tank is full, the pump stops. Fumes do not accumulate in the car, little if any fuel is spilled on the ground and everything goes smoothly.

To fuel your boat, be aware of Read the rest of this entry »