It’s a common misconception among individuals that homeowner insurance policies can extend to their boating property. Due to the difference in property, it’s best to get a separate policy that can provide the best coverage for your boat to ensure a better quality of safety. In recognition of National Boat Safety Week, we want to stress the benefits of having boat insurance and the importance of boating safety.
Benefits of Boat Insurance
On a bright sunny day, nothing is better than enjoying the open air, and spray of mist while relaxing on a boat ride. Although boat accidents may or may not occur frequently in your area, it’s just as crucial to protect your boat as you do your car or home in the event of a loss. Whether you’re an advanced boater or a first-time buyer, it’s important to familiarize yourself with the benefits of what some boat insurance policies can cover.
- Boat & Property Damage
- Towing and roadside assistant
- Mechanical breakdown
- Medical Costs
- Water sports
Boat Safety Tips
No matter how much experience you have, it’s always a good idea for everyone to review boating safety rules before departures. One of three things usually happen when a great day on the water turns tragic, according to the U.S. Coast Guard: a passenger falls overboard, a boat capsizes or it collides with another boat or object. Here are a few tips to avoid these situations:
- Always check the weather prior to a boating trip
- Make proper use of life jackets
- Avoid alcohol
- Take a boating course
- Consider a free vessel safety check from the US Coast Guard
“Ready, Set, Wear It” Campaign
These efforts of the National Boating Safety Council are part of a yearlong campaign to promote safe and responsible boating. Boating safety partners across the U.S. and Canada are teaming up to educate the public about life jacket wear and safe boating. If you’d like to get involved, visit http://www.safeboatingcampaign.com.