Boaters insurance is available for all types of watercraft, from the small personal watercraft (PWCs) to large ocean-going vessels. It is often overlooked unless there is a loan on the boat; but, that can leave a boatowner with a serious problem.
Everyone knows that boaters insurance can be used to replace or repair their boat if anything happens; fire, theft, sinking, etc. With inexpensive watercraft, this can give a boat owner a false sense of security: ?It didn?t cost that much, if anything happens I?ll just replace it?. But, what if it hits someone or something in the water? A swimmer, another boat, a dock; can you afford to pay for those? If a person jumps off a neighboring boat to swim; they are hard to spot in the water and even being hit by a Seadoo can be fatal.
Some people mistakenly believe their boat and liability for it are ?covered? by their homeowners policy. A homeowner?s policy will normally cover your boat and it?s liability; IF, you are talking about a rowboat, canoe, small sailboat, or other SMALL boat with nothing more than a 50 HP trolling motor. Anything bigger or with a different type of motor; and, you?re on your own.
So, even if your boat isn?t worth much; a boaters policy for protecting your assets in the event of an accident is the minimum that you need and it is very inexpensive in most areas.
Other coverages are also available: you can insure the boat and the trailer; fishing equipment, electronic equipment and personal belongings; your medical expenses and those of any guests you may have on board; on-water and roadside towing, and other miscellaneous coverages.
Just like your auto policy; discounts are available for safe boaters, having more than one policy with the insurance company, multiple boats, and other things depending on the insurance company.
Additional premium will be charged for people with poor driving records and prior boating accidents.
Boaters insurance is no more difficult to obtain than an auto policy and like auto insurance it can save you a lot of money and legal problems if anything does happen.
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