Your Survival Guide to Boat Insurance

Posted by SkiSafe         0

Boat insurance most likely is not required by your state (excluding residents of Arkansas and Utah). As a result, it’s no surprise some percentage of boaters take a leap of faith and go unprotected on the water. As it turns out, there are a ton of benefits when it comes to boat and PWC insurance. We’re here to do all the homework on this topic, covering the most common questions about boat insurance and why it is so important.

WHAT IS BOAT INSURANCE?

Boat insurance is like most other personal insurance. It’ll cover you for things like fire, theft, damage, medical payments, towing and roadside assistance, and more. As an example, if your boat bumps into another at the dock or your propeller sustains damage on an outing, your policy can respond to these losses. Does this sound better than paying entirely out-of-pocket? Yeah, we think so too.

Here is a list of perils your boat insurance policy can cover:

  • Fire
  • Theft
  • Freezing
  • Collision
  • Towing and Roadside Assistance
  • Bodily Injury & Property Damage Liability
  • Medical Payments
  • Personal Property & Equipment
  • Hurricane Haul-out
  • Fuel Spills
  • Pollution

Boat insurance can also include liability coverage, agreed value, cost of defense, and disappearing deductibles.

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HOW MUCH IS BOAT INSURANCE?

There are several factors that contribute to the overall cost of your boat insurance policy. Your coverage, deductibles, and the discounts you qualify for will help determine your premium. Other factors that affect the price include the value of the craft, driving records, prior claims, and seasonal use. To get your FREE quote, click here. For more on boat insurance costs, click here. 

Many boat insurance companies will run a credit report that may significantly increase your premium based on your score. SkiSafe does not increase your premium based on a credit report and will not run one. For more information on credit scoring and boat insurance, click here. 

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HOW DO I GET BOAT INSURANCE?

Let’s be honest, you want to spend less and get more. Who doesn’t? Instead of calling up one of the traditional/big insurance companies, waiting on hold for 30 minutes, and getting a quote that’s out of your budget, try something new. Meet: SkiSafe.

You can get a SkiSafe boat insurance policy in under 4 minutes with our online platform. We’ll even give you a discount for doing it online. If you’re more comfortable purchasing over the phone, our in-house underwriters are here to help. We know how busy life can be, which is why we promise little to no wait-time. Take a look at what some of our customers have to say: 

“SkiSafe has been great to work with and super quick in response." 

“Hands down the best rates out there, coupled with the exact coverage your competitors offer.”

“Your premium was approximately 40% the cost of my current premium.”

“The rates quoted were much more reasonable than some of the other players.”

“It was a pleasure speaking with the SkiSafe underwriter when getting a quote. They were knowledgeable and professional.”

The quoting process easy and our policies are affordable. Interested yet? We offer policies as low as $85/year. I bet we caught your eye with that one. Go ahead and get a quote; it’s completely free.


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