Things to consider when choosing boat insurance

Boating is one of the excellent activities you can do during summer time. Whether you own a small boat or a motor boat, it pays to insure your vessel. Sometimes it is not easy to determine the right boat insurance policy, and this can result in mistakes that you can only realize when making a claim. If you are planning to get boat insurance policy soon, below are some of the things you should consider.

How you use your boat

The way you use your boat determines kind of plan you will need. Find out if you will be using your boat to tow your long boat distances frequently. Let your insurer know if you will be using your boat at high speeds, or if you will be using it to ferry passengers. The way you intend to use the boat will affect your insurance policy. For example, if you are going to use your boat take passengers around the lake ensure your coverage includes enough liability coverage in the event of injury.

Items you carry onboard

If you intend to take electronic equipment with you when boating, make sure you consider this when buying your boat insurance. This is because your insurance coverage should protect the boat and items you carry along in your vessel in the event something bad happens to them. By considering if you will be taking any items onboard, is one way to ensuring that you do not have to be bothered about the costs in case they are lost or damaged.

Where will you be using the boat?

Perhaps you are wondering what kind of question is this. If you make long trips or boat on large lakes, you are likely you to need emergency towing. Having a breakdown on the large water can be risky, but if it happens, you will need the emergency towing service which might be expensive. It is thus necessary to consider such instances when choosing your policy. This is to ensure that in case you have a breakdown, you will not have to worry.

What will it cover?

You probably want insurance that will cover all your needs. Basic boat insurance offers protection against any boat accidents, environmental dangers or theft or natural misfortune that may affect your boat. It is for that reason that you should check with your insurer to find out what is covered and not covered. Does your insurer cover all your needs? The right insurance policy is the one that covers all your boating needs.

Do you go boating beyond your country waters?

This is a significant factor. If you love adventure, you may want to go boating beyond your state waters. It is critical to choose or purchase insurance (if it is available) that will cover you even when aware you’re your country water.


These are some of the factors to keep in mind when buying boat insurance. We advise you ask your insurer more questions regarding boat insurance before choosing a plan.