PreviousThe Responsible Boater- Boat Insurance Information
The Responsible Boater- Boat Insurance Information If you’ve decided to purchase a boat, you must know by now that you have to have boat insurance. While it’s a lot more fun to talk about boats themselves and the toys you can buy to go with them, it’s more important to understand the business side of boat ownership before you go gung-ho about things and get in over your head. Having boat insurance is like having car insurance on a larger scale. It might actually even be more like having home insurance, if you have a boat with cabins and amenities that make it like a floating home away from home. Either way, you can’t own a boat without proper boat insurance; otherwise you might as well start throwing money away. Just like car owners and homeowners, boat owners are required to have certain amounts of boat insurance. How much insurance you get will depend on your particular boat. A 150-foot yacht would need much more insurance than a small 20-foot fishing boat would, for example. Just like with financing the boat and purchasing it and all the accessories, though, most boat dealers are able to talk boat insurance with you to make sure that you’re on the right track. If you take the time to educate yourself and do all of the necessary things right away on the business side of boating, you’ll have more time to have fun later on down the road. When you visit a boat store, you should check with the salespeople to see if they offer boat insurance on-site, so that you can get it all done in one shot. However, there are times when boat insurance might cost more at a boating specialty store than it would elsewhere; this is when it’s useful to know what boat you’re buying and shop around for insurance quotes with different companies. Many of the top insurance companies are finally starting to sell watercraft insurance, but you still might have better luck with a company that specializes in selling only boat insurance. Making sure that you have the right boat insurance now will save you many headaches later. Like everything else in life, you never know when something will happen, so it’s essential that you’re prepared so that you can maximize the fun and enjoyment that you get from your boat purchase. Now that you know about boat insurance, check out these great boats, including deck boats, pontoon boats, personal watercraft, fishing boats, the Carolina skiff, and boat accessories.
Submitted by: Sandi
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Added: Tue Nov 25 2008
