With summer quickly approaching, many boat owners across the West are already gearing up for recreational boating season. While boating can be a fun activity for the whole family, it is important to make sure you, your family, and your boat are protected both on the water and at the dock. Read on for tips from our boat insurance experts that can help you make sure you stay safe through all of summer’s aquatic adventures.
Even if you follow every recommended boating safety rule, accidents can still happen on the water. As a boat owner, one of the most important things you can do is ensure that you have the proper coverage for your craft. If you already have a homeowners insurance policy, this type of coverage often protects small crafts, like canoes and rowboats. Make sure to check with your insurance agent to see if your homeowners insurance policy provides coverage for your watercraft of choice.
If your boat has a motor or is larger than the small crafts listed above, you will likely need a boat owners insurance policy. This type of policy will provide you with physical damage and liability coverage for larger motored crafts. One thing to keep in mind when considering a boat owners policy is that many insurance companies will only write this type of policy if you already have a homeowners insurance policy with them. Also remember that many insurers have limitations in the size and type of watercraft they will insure. Talk to your local independent agent to find a policy that best meets your boating insurance needs.
When you’re out on the water, your top priority should always be ensuring the safety of yourself and your passengers. Here are a few of the many ways you can make sure you’re sailing safely:
Here at Grange Insurance Association, we understand how big of an investment purchasing your own boat can be. That’s why it is important to be smart when it comes to boat security. These 4 boat security tips are a great place to start:
Don’t let an accident or a stolen boat ruin your summer fun. With help from the tips above, you and your family will be on the way to enjoying your time on the water safely and securely. Interested in finding the right homeowners or boat owners insurance policy for you? Use our find an agent tool to locate local independent insurance agencies in your area!
The content available via Grange.com is for informational purposes only and may not be used for any other purpose. Content provided or expressed on Grange.com, including that of third parties, may not reflect Grange Insurance Association’s (GIA) policies or conform to any agreement you may have with GIA and its subsidiary companies. Please contact a licensed insurance agent to obtain particular advice.