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Boat Insurance?
28 Apr 2010We just bought our first boat. I know that in the state of Kentucky it is not required to have boat insurance, but it make good financial sense to have it. I called my agent this morning and he wanted to know how much coverage we wanted. I just assumed that it was like home owners or automobile insurance., But I guess not. So here is my question. Besides the obvious replacement cost, should we include anything else. Thanks for answering.
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4 Responses to Boat Insurance?
Capt. John
April 28th, 2010 at 5:09 pm
You want to make sure you cover yourself for hospital, death, or damage to passengers, and other persons involved, another person’s boat, and other peoples’ property… (Which I am sure you knew or your agent pointed out to you.) Other than that, you just want to make sure you have all your really expensive equipment onboard covered… ie: radio, radar, EPIRB, fresh water maker, solar equipment, or GPS with follow me satelite TV and Internet service… You know, the really good extra-ordinarily expensive stuff… the toys we boys like to have on our boats…
Happy & Safe Boating!
panfish
April 28th, 2010 at 5:40 pm
we covered our boat 15 years ago for its then value. our allstate agent failed to inform us that we continued to pay premiums on the original value. The $20,000 rate dropped significantly since the value is now $8,000. a good agent will cover the boat, passengers and equipment. ask a lot of questions and you’ll be fine – enjoy the water.
Winnie
April 28th, 2010 at 6:14 pm
Boat U.S. provides the best insurance for boats. check online.
Rondo
April 28th, 2010 at 6:43 pm
I’d be sure to cover the replacement and then add in what your best guess of value is for any other items you keep in the boat like fishing rods, life jackets. I have a 18 foot boat and I asked for about $5000 worth of accessories. This may be more than I have most of the time but there may be a camping trip or something when there is more stuff in it.