Call Us 800-547-0006 ☰ ˟
Choice One Insurance
Call Us: 800-547-0006
  • Home Page
  • Coverage
    • Automobile
    • Boat
    • Business
    • Commercial Auto
    • Flood
    • General Liability Insurance
    • Golf Cart
    • Health
    • Homeowners
    • Homeowners (Airbnb)
    • Hurricane
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Umbrella
    • Workers Compensation
  • Quotes
    • Automobile
    • Business
    • Flood
    • Health
    • Homeowners
    • Life
    • Recreational Vehicle
    • Renters
  • Payments
  • Resources
    • Refer a Friend
    • Mortgagee Change Request
    • Insurance Glossary
    • Why Are Replacement Cost Increases Driving Up Home Insurance Premiums?
  • Blog
  • About
    • About Us
    • Our Employees
    • Our Office
    • Our Reviews
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Insurance

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Insurance

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Boat Insurance

Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Motorcycle Insurance

Motorcycle

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > 10 Things to Consider When Evaluating Boat Insurance
WEDNESDAY, APRIL 13, 2022

10 Things to Consider When Evaluating Boat Insurance

Are you a new boat owner? It’s not unusual to assume that your boat is covered by your homeowners insurance. That might be true for a very small boat, but not for something with a hefty price tag. 

The first thing that usually comes to mind when buying boat insurance is accident coverage; protecting your passengers is every boat captain’s priority. However, there are things that boat owners need to know about insurance that stretch beyond passenger safety. 

It's important to thoroughly investigate and evaluate requirements and options to ensure that you and your boat are properly covered. 
speed boat on the water
First time owner? Upgrading a PWC to a ski boat? Maybe you're trading up your little aluminum 2-seater for an ocean-worthy bass boat. First boat or last, here are some things you’ll want to consider. 

  1. Boats have marine-specific risks like pollution and environmental damage, wreck removal and salvage work.

  2.  Are you using your boat in fresh water, salt water or both? Premiums might be different.

  3.  Did you take the proper boater education classes? You could be eligible for a discount.

  4.  Do you need towing insurance? If you break down in the middle of a narrow river, you might be able to paddle to shore; but not in a big lake.

  5.  Are you leaving the US? You might need additional coverage if you’ll be sailing the island waters.

  6.  Wear and tear isn’t covered by standard policies, but your boat might qualify for consequential damage insurance.

  7.  Ask your agent about the difference between “agreed value” and “actual cash value.”

  8.  Did you know that the higher the deductible, the lower the premium?

  9.  Marine insurance (boat insurance) is available for boats, PWCs (personal watercraft like jet skis), sailboats, yachts and other floating craft. Insurance is also available for professional applications like charter boats, fishing expeditions and more.

  10.  “All risk” policies don’t cover everything! Ask your agent for details.

Those are just a few things to think about when deciding which boat insurance is best. Your insurance agent can properly inform you of your options and help you select the insurance coverage that’s right for you. 

Posted 6:10 PM

Tags: boat insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019

  • choice one insurance(16)
  • home insurance(9)
  • auto insurance(7)
  • boat insurance(6)
  • car insurance(4)
  • golf cart insurance(3)
  • renters insurance(3)
  • flood insurance(3)
  • business insurance(3)
  • health insurance(2)
  • recreational vehicle insurance(2)
  • general liability insurance(2)
  • covid-19(2)
  • rv insurance(2)
  • hurricane insurance(2)
  • commercial auto insurance(2)
  • life insurance(1)
  • violence(1)
  • workers compensation insurance(1)
  • workplace(1)
  • business(1)
  • prescription drug insurance(1)
  • insurance(1)
  • hurricane(1)
  • cash value life insurance policy(1)
  • motorcycle insurance(1)
  • flood(1)
  • commercial insurance(1)

View Mobile Version

Get In Touch!
South Florida

(305) 252-1873


Throughout Florida

(800) 547-0006

Contact Us
Facebook >Twitter >LinkedIn >Yelp >Google

Resources

  • Quotes
  • Payments
  • About Us
  • Refer A Friend
  • Blog

Contact Us

18400 SW 97Ave | Cutler Bay, FL 33189
South Florida (305) 252-1873
Throughout Florida (800) 547-0006
Fax: (305) 677-7107 | E: info@choiceone.us
© Copyright 2021. All rights reserved. | Powered by Insurance Website Builder