You can't wait to get that boat on the water
You've always dreamed of having a boat. One you can just cruise in, take the kids tubing or just spend some time in with friends and fishing rods. But before you get it wet, make sure you call Secure Insurance Solutions.
Here's a few things to consider before you buy that new or used boat:
- Don't rely on your Homeowners Insurance to keep your boat afloat
- Protect your boat while in transit
- Think about the people on your boat
- Protect your boat while stored at home or at a marina
- Find out what discounts you can get for your Boat Insurance
Don't rely on your Homeowners Insurance
You've got some space behind the house to park your boat and that really saves you money on storing it while you don't have it out on the water.
You've already had some great times in the boat. In fact you took it out this weekend. But it was late when you got home Sunday night so you figured you'd clean her up after work on Monday.
You wander into the backyard to clean any algae off the motor. You're looking at your boat and realize she's missing her motor. You look inside and all your fishing gear is gone. It's not in the garage, and then you realize – someone stole the motor and all your gear.
You might think that your boat is covered under your Homeowners Insurance. But you only have limited coverage. And generally the loss has to happen at your home. Now this happened at your home, but a new motor will likely cost more than your limited coverage.
And what if this happened somewhere else? Or if your boat got damaged while you were launching it? That wouldn't' be covered by your Homeowners Insurance. Neither is liability protection if someone gets hurt or negligent use of your boat damages someone else's property.
You need a Boat Insurance policy
Boat Insurance not only covers damage to your boat in and out of the water, but it also gives you liability protection in case you're responsible for injury to swimmers, water skiers or other boaters or you damage another boat, a dock or the environment (due to fuel spillage). Plus, Boat Insurance provides no-fault medical payment coverage for accidental injuries to the passengers on your boat.
Get a hassle-free boat quote today from Secure Insurance Solutions. We'll make it fast and easy so you can relax out on your boat.
Is your boat covered in transit?
You're bringing home the boat after a summer at the lake. You get it on the trailer and start towing her home.
You keep checking your rear view mirror to make sure your beauty's ok. Suddenly you hear a weird noise and look back and the boat looks crooked.
You slow down and start moving over to the shoulder. The trailer comes loose and goes into the next lane – right in the path of a transport truck. The truck can't stop and both the boat and the truck are damaged.
Land transportation is part of your Boat Insurance, so you would have coverage. But so you know for sure, make sure you call Secure Insurance Solutions before you buy the boat. We'll do some comparison shopping for potential rates with all our companies so you have an idea, before you buy, of what it's going to cost you.
Then once you buy, just confirm the boat specs and we'll get your application going. We're here to make sure that you can enjoy your new boat without worrying about liability.
Are the people on your boat covered?
It's the annual fishing weekend with the boys. Since you finally have your own boat, this year you suggested you use yours.
A few guys are daredevils – but nothing serious has ever happened.
You head out. Doug's got a big one on the line and he stands up on one of the seats for some leverage. You hit someone's wake and Joe goes overboard. You turn around to fish Doug out of the water and he can only raise one arm, he banged his shoulder on the side of the boat on his way over. And he broke his new expensive rod.
If you have Boat Insurance, your policy will cover any physiotherapy for Doug's shoulder and liability for everyone on your boat. Hopefully you talked to your insurance broker at Secure Insurance Solutions before you headed out for the weekend!
Is your boat protected in the marina?
You had an amazing summer – your first with the sailboat you always wanted. And the marina you chose has an amazing atmosphere. It's great to be part of a community of boat lovers just like you.
Many marinas will require proof of insurance with a minimum liability protection amount. Why? Because all the boats are close together so it's not just your boat you need to worry about, but everyone's.
Your marina can give you all the information you need, but by giving your Secure Insurance Solutions broker a call, you'll have all the information you need. We'll make sure that you have the protection you need for mooring your boat.
You might be eligible for discounts
You're shopping for insurance for your new boat. There are so many companies out there – including companies that sell just Boat Insurance. Who's got the protection you need?
Give us a call at Secure Insurance Solutions. We've been insuring people for a long time, working with many different insurance companies. So we can shop around for you to make sure that you have the best protection. We specialize in all your personal insurance needs, and we have some boat experts on our experience staff.
We'll also let you know about the ways you can lower your Boat Insurance rates:
- Just like Auto Insurance, choosing safety over performance can keep your rates lower for Boat Insurance, so talk to us about the type of boat you're thinking of buying.
- The more your boat costs, the higher your premium.
- Some companies will give you a discount if you take a boating safety course. You'll feel safer too because you'll be prepared in critical situations.
- Most companies also offer “new hull” discounts and “claim-free” discounts.
We make it easy for you to get a free quote. You can make an online request on our Insurance Quote page or call a Secure Insurance Solutions broker. We'll make sure that no matter what boat you buy or where you keep it, you get the best value and protection.