Shopping for Boat Insurance

from Kelley, Jiggins & Associates
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Sep 30, 2011

When you are shopping for boat insurance you want to make sure you are making an educated decision. There are many different types of boat insurance and you should be sure that you understand which type and how much insurance you should have on your boat.

Boat insurance is not required by law and is left up to the discretion of each individual boat owner.  When you are considering boat insurance you should make sure that you think about…

  • The value of your boat
  • Where you do your boating
  • The premiums you can afford
  • The risks you are willing to take
  • Where you boat
  • Your liability

When you have a very expensive boat and you are putting yourself and the boat into risky situations you will want to make sure that you are insured.  If your boat is not worth a lot of money and you are very conservative when you use it boat insurance may be a cost that you do not need to incur.

While you are weighing out your options you may want to talk to others that own boats that are similar to yours. This way, you can get a feel for the way that people are insuring their boats and follow the lead of someone else.

Boating can be an extremely fun hobby. Make sure that you take the time that you need to understand how you can be secure in your boating on a day to day basis.

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