Marine Insurance Tips

Below are a few ways that boat owners can help prevent losses due to accidents, theft, or natural disasters.

Complete an authorized boating course.

Inspect or have your boat inspected by a qualified marine mechanic at least twice a year. Regular maintenance can help reduce the cost of ownership and risk of problems while afloat.

Do not use defective equipment. Repair or replace as soon as possible.

If there is a natural disaster moving into your area, have a plan to protect or move your vessel.

Store your boat in a secure area.

Install theft prevention devices on all electronics, outboard engines, out drives, trailer hitches, trailer hitch receivers, trailer wheels, etc.

Install alarm systems in all boats stored in the water. These systems should, at the least, protect against high bilge water levels and cabin intrusion.

Carry up-to-date marine charts and plan your cruising routes to avoid accidental grounding and adverse weather conditions.

Be responsible. Always use appropriate PFD's; limit alcohol consumption; follow the "rules" of the waterway; speed limits; no wake signs; refueling; etc.

But, even if you take all the precautions, accidents do happen. Make sure you have the right coverage for your boat, yacht or personal watercraft.

SkySmith has access to marine insurance markets providing coverage nationwide for all sizes of boats and watercraft. Call for a quote with SkySmith and get knowledgeable personal service and quality products.

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