What to Look For in a Boat Policy - Boat Insurance

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What to Look For in a Boat Insurance Policy
Boating enthusiasts know how important it is to have coverages beyond the standards offered by many companies, or by a rider on a homeowner's policy. In fact, many people think their boat is completely covered under their homeowner's policy until they have a loss.

Customers who own power boats, fishing boats, pontoon boats, small sailboats, older and lower-valued boats and other vessels 26 feet and less in length should look for specialized coverages that aren't always available under other policies out there. These include things like:

Wreck Removal
Pollution Coverage
High Liability limits

Optional coverages should also give boaters that little extra - the custom coverages that fit their lifestyle, whether they enjoy early-morning fishing, afternoon wave-riding or evening cruises. Some of the options should include:

Towing and Assistance - for the boat and trailer
Replacement Cost for personal property
Replacement Cost Coverage on trailer

Don't forget discounts! What might look like the most cost-effective policy at first, might really not be after factoring in the discounts a boater could be eligible for with a specialized policy, including:

Multi-Unit
Renewal
Prior Insurance
Affinity Groups
Boating Safety Course
Actual Cash Value
Safety Equipment
Multi-Policy

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<%IF session("language")="spanish" THEN%> Acerca de las coberturas descritas en este sitio web: Su contrato de seguro consta solamente en su póliza, no en este sitio web. La protección de su seguro podría variar de la protección de las coberturas aquí descritas, dependiendo de las coberturas estándar incluidas en su póliza y de las coberturas opcionales que compre. La información crediticia solamente se utiliza a efectos de aseguramiento o tarificación en los lugares donde lo permitan las leyes estatales. En algunos casos utilizamos un sistema de puntaje de seguros basado en información crediticia. *La cobertura podría no estar disponible en todas las áreas. <% ELSE%>About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.<%END IF%>