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The Lowdown on Boat Insurance

By Ethan K. Roberts


So you have spotted your dreamboat, it is the one you absolutely must have. Once you have purchased your boat you will definitely want to consider boat insurance. While I'm sure you're aware that boat insurance exists, however, you may not be aware that there are various types of boat insurances available to you.

In general, insurance companies will offer a boat owner a standard Watercraft Liability policy. Some insurance companies offer optional coverage at an additional fee. As with purchasing a new car, if your boat has been financed, the finance company will probably insist on mandatory boat insurance that may not be covered through the standard watercraft liability policy.

Most states make the standard boat insurance a requirement, it is important to abide by the law and obtain boat insurance immediately. Obtaining the minimum coverage will not only satisfy the law, but provide you and any passengers' protection as well. The standard insurance policy will offer coverage of any damage that may arise that is a direct result of actions on the boat. This is true no matter if the damage occurs while in transport or actually on the water.

It is possible that medical payment coverage is a requirement in your area. This type of coverage will pay for any medical expenses to a previously specified amount, which arises as a direct result of an accident covered by the boat insurance policy. As a suggestion, regardless of whether or not medical payment coverage is required, it would be wise to consider it. Medical expenses as a result of an accident can become extremely high and unaffordable, this type of insurance will help in covering these costs

Another additional type of coverage to the standard liability coverage is the wreck removal and pollution coverage. If your boat sinks or is involved in an accident for any reason, you are, by law, responsible for the removal of the boat at once. If any type of fuel spills into the water as a result of an accident, you will be held responsible, which may include a monetary sanction against you. The wreck removal and pollution coverage provides coverage for this type of incident, without the coverage you will be required to pay for the removal and fines out of your own pocket.

Just like in automobile coverage, you must definitely consider insuring you and your boat against an uninsured boat. If another boater does not carry any type of insurance or enough coverage, and an accident occurs between the uninsured boater and your boat within the water, this coverage will provide coverage for replacing your boat or any needed repairs it may requires as a result of an accident.

Sometimes other additional coverage will be available to you, such as coverage for theft, vandalism, collision and other damages that could occur by acts of god. You should speak with an insurance agent and find out what types of boat insurance coverage is available to you.

About the author

Ethan K. Roberts writes about a variety of subjects including cheap boat insurance. More articles are available on houseboat renting and discount boat inusurance.
Article Source: http://EzineArticles.com/?expert=Ethan_K._Roberts

Tips About sailboats sale

Various maintenance should be carried out on your boat on a regular basis, whether you own a dinghy, RIB or yacht. Some of this maintenance is to keep the boat looking good, but some is essential for the proper working of your vessel. Don't forget about regular maintenance checks as you could be building up for major problems.
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All the woodwork on the boat should be varnished every year to keep it looking smart, though check with the specification of the varnish to see whether it needs to be carried more or less regularly. Brasswork and Chromework should also be kept polished, not only to keep it looking good but also to stop deterioration.
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A Day Boat (dayboat) is exactly what it says - it is a boat usually used for Day Trips and therefore tends not to have any accommodation on board. Examples of uses of Day Boats would be to go for a trip along the English South Coast or go fishing. Some DayBoats will have sail as well as motors giving the choice of power depending on the conditions. Prices for these boats varies from less than �1,000 for a used craft from a boat brokerage, to over �50,000 for a high end specification.The Jeanneau Cap Camarat is a good example of a motor day boat and can be acquired for less than �20,000 second hand whilst the Hawk 20 is a good example of a sailing dayboat
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