SkiSafe Blog

Choosing the Right Boat Insurance Company

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So, you’re thinking about buying a boat. You run the numbers to make sure it fits your budget. Let’s say you budget $40,000 for the boat, motor, trailer, and first season’s maintenance. Before signing the papers, you will also want a quote to find out how much your boat insurance may cost. Insurance is likely the smallest expense associated with owning a boat, but arguably the most important as it protects the entire investment.

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Boat Trailer Insurance

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If you own a boat trailer you can insure it at the same time you purchase boat insurance. This option is highly recommended, as it is inexpensive and will protect your investment in the trailer. Before you add this coverage for your trailer, it is important to know exactly what you’re buying.

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Cheap Boat Insurance and Rates

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When shopping for boat or jet ski insurance, do you want the cheapest insurance you can find? Of course, we all want the cheapest insurance, but the cheapest is not always the best. It is important to identify the coverage necessary for you and your boat, do research online, and compare your options.

Follow along with these easy steps when picking the right coverage carrier and plan for you.

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How Boat Insurance and Boat Maintenance Are Related

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Accidents happen, and when they do, be thankful for your marine insurance (hopefully with SkiSafe.) You’ll have coverage for fire, theft, vandalism, collision on the water or land, and hauling your boat out in advance of a named storm. Maybe you will choose to have coverage for consequential losses or freeze damage. You’ll definitely want coverage for third party liabilities that can arise out of the ownership or operation of your boat.

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Why is Boat Insurance Just As Important As Car Insurance?

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One of the most upsetting things you can hear in the boat insurance industry is “I don’t need insurance.” Too many boaters cancel their coverage once their loan is paid off and the coverage is no longer required. Many people think if they are safe and experienced they don’t need any additional protection on the water. The truth is that boat insurance is just as important as car insurance. Here’s why you should never go out on the water without it.

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Credit Scoring for Boat Insurance

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Your credit score is not used by only banks. Insurance agencies will pull your credit score and use it as a factor to determine your premium.

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Stripers in Moriches Bay

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Summertime is the perfect season for trying out new, fresh recipes. I love getting out on my boat, catching a few fish, and cooking it up for dinner.  

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Consequential Losses and Boat Insurance

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You probably think the consequence of any loss involving your boat is at best a headache, and at worst a hit to the wallet, not to mention the hours you'll lose on the water while it's in the repair shop. However, what exactly are consequential losses?  

Here’s a simple example that explains how consequential losses and boat insurance are related and why it matters to you. 

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