Boating is an exciting way to enhance your lifestyle. It should be about fun, friends, and family, but sometimes you have to talk about the serious stuff.
Boat insurance, for example, is one of those topics that might not be very exciting, but it’s something every boat owner should understand. With the right coverage, you can boat with confidence knowing you are properly insured.
Boat Insurance is a Requirement in Many Area
Some areas of the country have a minimum requirement for boat insurance, so you may be legally required to have a certain amount, depending on where you live and where you boat. Insurance protects against loss by fire, theft, and other causes, and we strongly recommend you have at least the minimum requirements. One thing is certain, insurance is a smart choice for responsible boating.
Wooden Boats Can Be Hard to Insure
Wooden boats are prone to rotting and damage, so finding quality insurance on these vessels can be challenging. Because of wood’s short lifespan on a boat, Scout has eliminated all wood products. This makes them last longer and can help you find more affordable insurance options.
Many Marinas Require Boat Insurance
If you plan on keeping your boat in a marina, there is a good chance you will be required to carry insurance. Large boats can cause a lot of damage, and marinas are constantly dealing with collisions and wrecks, so you can expect to get insurance if you plan on using a marina.
Uninsured Boaters Can Cause Major Problems
You may be the safest boater on the water, but other boaters can cause serious harm. Protecting yourself against damage caused by uninsured boaters may be more important than protection from liability damage. Look at your insurance program and give serious consideration to uninsured-boater protection.
Check Your Policy for Tow Coverage
Every boat insurance policy is different, so make sure you understand the details for your specific plan. Tow insurance is often sold as a separate package, but it may not be required if towing is already covered in your existing insurance.
Know Where You are Covered
Your insurance may not cover you in international waters or even up and down the coast, so make sure you know your limits. For example, many boat owners in Florida will travel down to the Bahamas. However, some insurance policies may not cover accidents in these waters, so you may need to contact your provider to get temporary coverage.
You May Be Able to Bundle Boat Insurance
One of the most convenient ways to pay for your boat insurance is bundling it with your current auto or home insurance. Many of the major insurance providers will offer discounts if you bring everything together, so talk with your insurance agent to see if you can save.
Find the Perfect Boat for Your Needs
Scout Boats is more than just a boat-building company; we’re a team dedicated to helping you find the right boat for your needs. We’d be happy to provide more information on insuring your Scout, so contact us today. With superior designs and outstanding materials, Scout Boats are the right choice for you!
