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Boat Insurance Basics

Updated on November 13, 2013

Nothing Better Than Getting Out On The Boat

On bright and sunny days, especially during vacations, many people go out to the sea to enjoy the wide horizons and nothing but the cool breeze of the waters. One may grab their boats and set out their sails with their family and friends to enjoy their summers and get a bit of water fishing for leisure. Indeed, boating is one of the topmost leisure activities in recent times, especially along the coastal lines. Many people own boats. Some own them for leisure and cruising, while others simply have them for commercial usage, such as fishing and transaction. Therefore, it is important that one must acknowledge the dangers at sea and keeping that in mind, buy an insurance policy for their boat which safeguards their assets and their life in particular.

Massachusetts Boat Insurance
Massachusetts Boat Insurance

Maybe a Yacht Would Be Better

Many different companies offer different types of boat insurance policies. While you are trying to get a deal which best suits your boat and its usage, one should do relevant searches for the best coverage offered by the company. It is important that one should contact an agent which can help start the procedure for getting a boat insurance plan. For that, the agent must meet with you and he will have to inspect your boat so that he can calculate and make appropriate adjustments to the clauses of your insurance policy. you can then decide the quote and deductibles on your insurance policy which will decide what type of policy you would buy.

Here are some of the most generally given provisions and benefits on boat insurances.

- Medical Expenses are covered by the insurance company should you make a claim following an accident which happens while you were boating away in the water.

- Physical damage costs are covered by the company. This means that if your boat, or any of its machinery, i.e. whether the motor or the trailer has been physically hit by the accident, then the insurance company would pay for it. Note that, these claims can only be made after a certain deductible amount has been reached.

- Liabilities coverage include cost for damages incurred to other boat or property in case of an accident.

Boat Insurance Coverage

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    • profile image

      DavidBradshaw 5 years ago

      Nice lens

    • profile image

      sandi_x 5 years ago

      Great lens

    • KimGiancaterino profile image

      KimGiancaterino 5 years ago

      Very helpful information for boat owners!

    • SailingPassion LM profile image

      SailingPassion LM 5 years ago

      Great lens - thank you. I prefer a yacht :-)

    • profile image

      twing-kewl 5 years ago

      creative lens with great info! thanks for sharing

    • ForestBear LM profile image

      ForestBear LM 5 years ago

      good info, thank you for sharing

    • profile image

      MonirulIslamKhan 5 years ago

      Stunning lens.

    • WriterJanis2 profile image

      WriterJanis2 5 years ago

      How fun it would be to own a boat.

    • profile image

      DonoyanInsurance 5 years ago

      great article! I really love it.

    • Rural Farming profile image

      Rural Farming 5 years ago

      wow that is great news