Fishing Boat Insurance

by thrandur

Purchasing a fishing boat is a major investment on your part. It is vitally important that you be responsible and get fishing boat insurance to protect it. Let me tell you, after I got my fishing boat, getting insurance was the first thing I did before anything else. It is a known fact that when you are out on the water, an accident will occur when you least expect it to. Keep in mind that if an accident happens, and you do not have fishing boat insurance, it is likely that you will incur a lot of debt.

Fishing Boat Insurance
Fishing Boat Insurance / CC BY-SA 2.0

To go about getting fishing boat insurance, the first thing you need to do is obtain a quote from an insurance carrier with a good record. But, before you do this, make sure you have all the information that is needed to get the quote:

1) The year, model and make of the boat.

2) All the details about the motor; whether it is inboard or outboard as well as the horsepower.

3) All the details about your trailer; the way it attaches to your vehicle as well as approximately what is will cost to replace it.

Once you have all this information, then you can get the quote. Here’s what you should do:

1) First contact your local agent who will obtain a quote for you from the insurance company. This is the most common way to get a quote.

2) Next, you should call your insurance carrier. Get the policy page(s) given to you for your Automobile or Homeowner’s Policy – there will be a phone number on it for policy services. Tell them what you need a quote on.

3) Finally, get a quote by going online. Just about all major carriers can give you a quote through their websites. You just get on their site and click on “Get a Quote” and make your request. A local agent might contact you.

Once you have gotten all your quotes, be sure to go over them carefully. It is important that you have enough insurance if, unfortunately, you boat gets destroyed and your deductible should be an amount that you are in agreement with. Write down any questions you have about the quotes you received and contact the insurance company or agent as soon as possible.

Too many fishing boat owners don’t take the time to get the insurance they need and they are taking a huge risk by not protecting their valuable investment.

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