Watercraft Insurance
If you have enough time to clean your boat after you take it out of the river or lake, then you have enough time to buy watercraft insurance. Why should you buy a policy when it's not required? Because things happen on the water as much as they do on land. If you take your boat out and hit someone you will be on the hook to cover their injuries and any damage you cause to their property. Boat insurance is usually pretty reasonably priced and you can customize it to fit your needs. If you aren't worried about your boat then just get some liability coverage. Most boat policies have what they call a combined single limit. That just means it uses one limit to cover other peoples injuries and their property under one limit. Call today for your quote at 951-395-0754
If you have enough time to clean your boat after you take it out of the river or lake, then you have enough time to buy watercraft insurance. Why should you buy a policy when it's not required? Because things happen on the water as much as they do on land. If you take your boat out and hit someone you will be on the hook to cover their injuries and any damage you cause to their property. Boat insurance is usually pretty reasonably priced and you can customize it to fit your needs. If you aren't worried about your boat then just get some liability coverage. Most boat policies have what they call a combined single limit. That just means it uses one limit to cover other peoples injuries and their property under one limit. Call today for your quote at 951-395-0754
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Blog Post I did about Boat Insurance
The weather is warming up, the kids are almost out of school and memorial day is only a few weeks away. What does all this mean? It’s almost summer people and that means it’s time to get the boat cleaned up and get out on the water.
Growing up in a small coastal town I spent a lot of time around boats. My grandparents would take me out on their little 20 foot olive green boat to go Flounder fishing, at camp I spent every day waking up to the smell of exhaust coming from a Mastercraft ski boat, my parents also had a nice 24 foot SeaRay. I learned early on how to operate a boat and I would love taking the boat out for a ride. Sometimes I'd grab the guys to go tubing or to fish. Other times I'd take my lady friends for lunch and and adventure on the water. Ah, good times.
People spend a lot of time planning their boating trips. They will spend hours getting the boat cleaned up, towing the boat to the water, packing food and drinks. But, one thing that people don’t usually take into consideration is boat insurance. It often isn’t required when you take the boat out, but that doesn’t mean you should skip this very important coverage.
There are two parts to insuring the boat. The first part is your liability coverage. This should be mandatory if you plan on taking your boat out on any body of water. What it covers is damage you may cause operating your watercraft. If you run into a boat your liability would cover repairs to the other party. If you were to hit someone in the water it would cover injuries to them.
The second part of the insurance is coverage for your boat and trailer. If you cover your boat it is usually done based on the value of the boat. You would just pay your deductible and insurance would pay after that to repair or replace your boat. The same applies for the trailer. The coverage for the boat also applies away from the water. One of my friends had his boat parked for the winter outside. A large tree ended up falling on the boat and damaging it. He was able to get both the boat and trailer repaired because he was carrying insurance.
There are lots of option when it comes to boat policies. You can cover personal property in the boat, you can carry uninsured boater to cover you and your boat if you are hit by someone who doesn’t have insurance, you can add towing, you can cover motors up to certain limits. When you are purchasing your boat insurance policy ask about any endorsement that sound good. Your agent will be happy to review the available limits and tell you the price. And at a minimum make sure you buy some liability coverage.
It only takes a few minutes to get the quote and it only takes a little longer to buy your boat insurance. The coverage is very inexpensive and it will protect you from any accidents that may happen on your trip. Don't forget your towels and don't forget your insurance! Call today for a boat insurance quote. 951-395-0754
Growing up in a small coastal town I spent a lot of time around boats. My grandparents would take me out on their little 20 foot olive green boat to go Flounder fishing, at camp I spent every day waking up to the smell of exhaust coming from a Mastercraft ski boat, my parents also had a nice 24 foot SeaRay. I learned early on how to operate a boat and I would love taking the boat out for a ride. Sometimes I'd grab the guys to go tubing or to fish. Other times I'd take my lady friends for lunch and and adventure on the water. Ah, good times.
People spend a lot of time planning their boating trips. They will spend hours getting the boat cleaned up, towing the boat to the water, packing food and drinks. But, one thing that people don’t usually take into consideration is boat insurance. It often isn’t required when you take the boat out, but that doesn’t mean you should skip this very important coverage.
There are two parts to insuring the boat. The first part is your liability coverage. This should be mandatory if you plan on taking your boat out on any body of water. What it covers is damage you may cause operating your watercraft. If you run into a boat your liability would cover repairs to the other party. If you were to hit someone in the water it would cover injuries to them.
The second part of the insurance is coverage for your boat and trailer. If you cover your boat it is usually done based on the value of the boat. You would just pay your deductible and insurance would pay after that to repair or replace your boat. The same applies for the trailer. The coverage for the boat also applies away from the water. One of my friends had his boat parked for the winter outside. A large tree ended up falling on the boat and damaging it. He was able to get both the boat and trailer repaired because he was carrying insurance.
There are lots of option when it comes to boat policies. You can cover personal property in the boat, you can carry uninsured boater to cover you and your boat if you are hit by someone who doesn’t have insurance, you can add towing, you can cover motors up to certain limits. When you are purchasing your boat insurance policy ask about any endorsement that sound good. Your agent will be happy to review the available limits and tell you the price. And at a minimum make sure you buy some liability coverage.
It only takes a few minutes to get the quote and it only takes a little longer to buy your boat insurance. The coverage is very inexpensive and it will protect you from any accidents that may happen on your trip. Don't forget your towels and don't forget your insurance! Call today for a boat insurance quote. 951-395-0754
When Your Million Dollar Boat Falls off a Trailer
My youngest daughter never watches TV. It is kinda odd to me since I basically grew up in front of the television. You’d get home from school. Grab a snack and put the TV on. Of course you’d go and hang out with friends but I would say that I spent way more time in front of the TV than I should have. It was the golden era of television. There were comedies on that were actually funny. Action shows with theme music. Ah, good times.
Fast forward to my daughter and she looks at the TV with a side eye. She’d rather be on her tablet or on the computer playing a game. I on the other hand have no interest in video games and I find YouTube to be entertaining in small batches. But, more than three silly videos or those stupid cat chasing a laser video’s are maddening to me. Give me some terrible realty TV please.
So, what does this all have to do with insurance? Nothing of course. But, I did see a Youtube video the other day where this expensive yacht was being pulled out of the water by a truck and a tractor. The video starts with the boat in the water. Somehow they managed to get this giant boat onto this small trailer. Obviously the truck wasn’t powerful enough to pull the boat out alone. So they attached a tractor to the front of the truck so the combined power could drag the boat out of the water. Now, as soon as this boat started leaving the water a terrible squeeling sound started. You can see in the video at least one tire on the trailer is flat. But, I guess no one needed to inspect the trailer at this point. That squeeling sound is perfectly normal, more squeeling and creeking the better! Just keep driving, everything will work out just fine. The boat and the trailer made it to the top of the small access ramp. When they started around the first corner that boat started to lean. In slow motion to everyone's horror the boat falls over into the grass and the trailer crashes back down to the road. Ah, the commentary from the people watching this disaster unfold makes the video. Two guys on the boat hold on for their lives until the boat stops moving. And the kiddo in the back of the car that is recording the incident says “uh oh”. Watch it here:
https://www.youtube.com/watch?v=QIbHh7V6qC4
So, this is just another reminder that it is time to get boat insurance. If you are towing a boat out of the water and something happens to it, your Boat insurance is going to cover the damage to the boat. I did a quick search on Youtube for “boats falling off trailers” it’s amazing how many came up. Boat insurance is designed to cover the boat on and off the water. It is relatively inexpensive and if you don’t want to be on the hook for the damage done to your boat by trying to put it on too small a trailer give me a call. 951-395-0754
Fast forward to my daughter and she looks at the TV with a side eye. She’d rather be on her tablet or on the computer playing a game. I on the other hand have no interest in video games and I find YouTube to be entertaining in small batches. But, more than three silly videos or those stupid cat chasing a laser video’s are maddening to me. Give me some terrible realty TV please.
So, what does this all have to do with insurance? Nothing of course. But, I did see a Youtube video the other day where this expensive yacht was being pulled out of the water by a truck and a tractor. The video starts with the boat in the water. Somehow they managed to get this giant boat onto this small trailer. Obviously the truck wasn’t powerful enough to pull the boat out alone. So they attached a tractor to the front of the truck so the combined power could drag the boat out of the water. Now, as soon as this boat started leaving the water a terrible squeeling sound started. You can see in the video at least one tire on the trailer is flat. But, I guess no one needed to inspect the trailer at this point. That squeeling sound is perfectly normal, more squeeling and creeking the better! Just keep driving, everything will work out just fine. The boat and the trailer made it to the top of the small access ramp. When they started around the first corner that boat started to lean. In slow motion to everyone's horror the boat falls over into the grass and the trailer crashes back down to the road. Ah, the commentary from the people watching this disaster unfold makes the video. Two guys on the boat hold on for their lives until the boat stops moving. And the kiddo in the back of the car that is recording the incident says “uh oh”. Watch it here:
https://www.youtube.com/watch?v=QIbHh7V6qC4
So, this is just another reminder that it is time to get boat insurance. If you are towing a boat out of the water and something happens to it, your Boat insurance is going to cover the damage to the boat. I did a quick search on Youtube for “boats falling off trailers” it’s amazing how many came up. Boat insurance is designed to cover the boat on and off the water. It is relatively inexpensive and if you don’t want to be on the hook for the damage done to your boat by trying to put it on too small a trailer give me a call. 951-395-0754
