| Every year, thousands of boating accidents | | | | 7. Consider the type of boat you own before |
| happen in the United States. Out of this, 60 | | | | getting boat insurance. Do you own a |
| percent results in some kind of injury. Aside | | | | motorboat, a personal watercraft (PWC), a |
| from accidents, boats also get stolen. This | | | | boat without a motor (canoe, kayak or |
| is why it is very important to get boat | | | | rowboat)? Consider also circumstances in |
| insurance. With all the dangers, it would be | | | | which you plan to use the boat insurance. |
| crazy not to get boat insurance. | | | | |
| | | | 8. Though boat insurance is designed to |
| Here are a few useful tips when shopping for | | | | protect your boat, it is also advisable to |
| boat insurance. | | | | take note of the other coverage options |
| | | | available. An important boat insurance option |
| 1. You should look for an insurance company | | | | is the medical payment coverage which can |
| that is responsive & always available. It is | | | | offer medical protection for you and your |
| very critical that your company responds when | | | | passengers. You can never be so sure of your |
| you really need assistance. Help should | | | | and your passengers' safety when your out at |
| always be close by when an accident happens, | | | | sea. |
| when you need claims or emergency service. | | | | |
| | | | 9. Another option to consider is water |
| 2. You should look for an insurance company | | | | liability coverage. There may be instances |
| with good customer service. It is advisable | | | | when you will accidentally injure a person |
| to choose a company with a large network of | | | | while on the water, a passenger, a swimmer or |
| agencies, claim centers, and helpful | | | | a water skier perhaps. This is where water |
| employees that are ready to serve you | | | | liability coverage comes in handy. This type |
| whenever you need them. In such a case, you | | | | of coverage also protects you if you collide |
| can be sure that you will be treated fairly | | | | with and damage another boat or if you hit a |
| and promptly. | | | | rock. |
| | | | |
| 3. Choose an insurance company that is | | | | 10. The most important option is the physical |
| financially stable. Ideally, one with a long | | | | damage coverage. This coverage will come in |
| history of service to boat owners. Companies | | | | very handy if you hit another boat, a |
| with a rich history are generally more stable | | | | submerged object or a dock and damaged your |
| than new ones. A good way to check the | | | | boat's motor. The physical damage coverage |
| financial stability of an insurance company | | | | usually has two components:a. Emergency |
| is to do some research. Check out the | | | | services protection. This type of coverage |
| financial ratings of A.M. Best and Standard & | | | | provides protection of up to $100. It covers |
| Poor's for insurance companies. | | | | towing and mechanical labor if ever your boat |
| | | | breaks down while you're in the water. Also |
| 4. Get boat insurance from a company with a | | | | available is an extra emergency services as |
| good reputation and high standards. | | | | an optional coverage for an additional |
| | | | premium.b. Physical damage protection for |
| 5. Choose an insurance company with a wide | | | | valuable boat equipment. This type of |
| variety of coverage options. This is very | | | | coverage protects your valuable boat |
| important because your needs as a boat owner | | | | equipments such as boat covers, docking |
| are very unique. The company's menu of | | | | fenders, portable gas tanks, life jackets, |
| products should accommodate a circle of | | | | anchors and anchor lines, sonar equipment, |
| protection for your needs both today and | | | | water skis, cushions, and your boat engine, |
| tomorrow. | | | | compass and gear. Also available is an extra |
| | | | boat protection at an added premium. There is |
| 6. Boat insurances come in different prices | | | | also on the road protection for your boat, |
| ranging from the affordable to the | | | | trailer and equipment. This also covers |
| ridiculously expensive. It is important to | | | | protection if ever your boat, motor or |
| understand the policy and service promises | | | | trailer is stolen. |
| behind the price of the boat insurance It's | | | | |
| better to pay for an expensive but good | | | | An additional way to keep the cost of the |
| quality boat insurance than a cheap one with | | | | boat insurance policy is to not grossly |
| limited features. It is not advisable to | | | | underestimate the worth of your both. |
| accept low protection just to get a lower | | | | Appraise the boat for what it's worth. No |
| price. Make sure that you get the protection | | | | more, no less. You can also get boat |
| you and your boat require. | | | | insurance policy if you take a boating lesson |
| | | | so better asks around. |