Buying a Boat? Don't Forget the Insurance!

Thinking about buying a boat? Before you pick out the water craft of your dreams you will want to investigate the various kinds of marine boat insurance available. Do you want to buy insurance from the agent who handles your home and auto insurance? If you do there is probably an additional discount available because you already have multiple policies with that carrier. What about finding a marine boat insurance agency that specializes in boats, personal water craft, yachts, etc.? If you had to make a claim which company would be more responsive? There are different schools of thought on which one would be best and I would let my bank account make that decision. If the coverage is similar then go with the least expensive policy.

Boat US has been providing marine boat insurance for over forty years and offers a wide range of provisions on every policy including $800,000 in extra fuel spill liability. Federal and state regulations have put the burden on boat owners to pay for any clean up necessary due to any kind of fuel spill in their waters. You also get the availability of twenty four hour seven days a week dispatch service for emergencies like fuel spills, break downs and even salvage operations. You get full salvage assistance without a deductible and you can also get towing assistance with no deductible in their premium program.

With every policy you also get $25,000 in medical coverage and uninsured boater coverage for additional medical coverage in the case you are hit by someone with no insurance. You also get liability coverage for any dock contracts made at the local marina. In the case of a hurricane your policy will pay half of your emergency haul out costs up to $1000 if you want your boat or personal water craft out of the water because of a NOAA radio warning.

Boat US also offers yacht specific coverage, fishing boat coverage, personal water craft coverage and even regular boat coverage in both a premium package and a basic package to save you some money.

Yacht insurance is one of the most expensive policies you can buy but with Boat US you get the above mentioned coverage and in addition you will get under the Total Protection Yacht Policy the following: agreed value coverage for the boat, trailer, equipment and dinghy; medical payments up to $10,000; liability of $500,000 per incident; consequential damage - damage as a result of an accident, fire, explosion, sinking or stranding; a lifetime repair guarantee and investigative services if your damage is the possible result of a manufacturer's defective part.
For personal water craft coverage you get actual cash value coverage; a broad cruising area in the United States and Canada; medical coverage up to $5,000 per person per incident; liability coverage up to $300,000 and optional boat trailer coverage. The best thing about Boat US is that you can request an online quote and have your insurance in hand effective the next day within a few minutes of submitting all of your information.