A Boatowners Policy can insure you against most risks of owning and operating your boat, its motor and its trailer. Just as importantly, it can protect you against liability lawsuits, should you injure someone with your boat or damage their property.
Why Insure Your Boat or Personal Watercraft?
In tough economic times some people are tempted to let insurance coverages lapse. Should you ever need to use your watercraft insurance, however, it is one of the best investments you could make. Here are a few things to consider:
- If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
- If you are injured by an uninsured boater, uninsured watercraft coverage will provide coverage for you.
Your watercraft needs protection on the water, and on land, with coverage for you, your guests, and your boat. Thinking of buying a boat? Check with your W.A. George Insurance agent to see what it will cost to insure it.
Some people assume their homeowner’s policy is all they need to protect their boat. Not true.
Own a Boat? Get Insured.
Typically, homeowner’s policies have limited coverage for boats and may not cover injuries or accidents while you're on the water. To make sure you're covered for boat injuries, theft and damage, buy a boat insurance policy.
Boats Need TLC, Too
Tune-ups aren’t just for cars. When you're out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a fire extinguisher and keep it charged. Have your boat's operating systems checked at least once a year by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.
Are You Experienced?
According to the U.S. Coast Guard, 90% of reported fatalities in 2008 happened on boats where the driver had not received boating safety training. Make sure anyone who drives your boat is properly trained. You also can save up to 15 percent on your boat policy by completing a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.
Life Preservers Aren't Just for Kids
Hundreds of people drown in boating accidents every year—and nearly all of them were not wearing a life jacket. It's not enough to just have life jackets on board—you must wear them. In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children: more people in their 30s die in boating accidents than any other age group. New lighter, more comfortable and attractive life jackets are available today, making it even easier to get passengers to suit up.
Carbon Monoxide Kills in Minutes
Carbon monoxide poisoning is preventable. Turn off your engine when there are people in the water, and don't let passengers "ski" by holding on to the back of the boat. You also can install a carbon monoxide detector for your boat for less than $100.