Category: Boat/Watercraft Insurance

Operating a boat can be a lot of fun. However, it is important to take steps to increase boating safety. Unfortunately, boating accidents and other incidents can occur. People could end up hurt and property could be damaged. This makes it crucial to take steps to reduce the risks of accidents and also to ensure that you are covered with the appropriate boating insurance policy. If you’re looking for boating insurance in Alabama, feel free to contact Surety Ins Inc.

A Closer Look at Increasing Boating Safety

The right steps can mitigate many risks when operating a boat. First, you’ll want to make sure that your boat is in good working order and that there are enough life jackets for everyone on board. You should also check the weather before hitting the water. If there is a risk of high wind, storms, or whatever else, you’ll have to exercise extra caution.

Further, make sure you always have at least one reliable communication device on board and safely secured. Should you end up in an accident or another emergency arise, it may be crucial to contact the authorities right away for assistance.

It’s also crucial that anyone who is operating the boat is properly trained. Parents who plan to let their kids drive (once they reach the required age and have a license) need to closely supervise their children and ensure that they understand not only how to operate the boat but that they know how crucial it is to exercise safety.

Every boat should be insured. The right insurance plan can protect your property, provide funds for medical care, and otherwise help you mitigate risks. Of course, it’s essential to closely review any boating insurance policies you’re considering.

Reach Out To Us

If you live in Alabama and are considering boat insurance policies, get in touch with Surety Ins Inc.

Many people like to do recreational activities in the summer, such as boating, waterskiing, and swimming. With each activity, there are things you should do to keep yourself and your finances safe. One way to keep your finances safe when you are out on a boat is to have insurance. Surety Ins Inc is here to assist Alabama boat owners in getting vital coverage for their watercraft. 

Here are some answers to popular questions about boat insurance:

What is not covered by boat insurance?

Boat insurance will not cover damage from insects, marine life, mold, general wear and tear, or maintenance.

How much coverage should you have on a boat?

Professionals recommend that you have at least $1,000,000 of liability for a power boat and a minimum of 100,000 for a small sailboat. The amount of insurance you need depends on several factors, such as the size of the boat, your assets, and your risk factors.

What types of coverage are typical in a boat owner’s policy?

The types of coverage offered in a policy depend on the insurance company, but several types of coverage are similar across the board. These include liability, personal effects, uninsured/underinsured, and comprehensive and collision.

What happens when insurance totals your boat?

If the insurance company totals your boat, they usually pay the actual cash value or the insured value. Whichever cost is lower is the one they will pay you.

Does boat insurance cover hitting a dock?

In most cases, boat insurance will cover damage to the dock if you hit it. You must check your policy, though, to be safe.

Give Us A Call

If you own a boat and need insurance for it, contact us at Surety Ins Inc. We are here to assist Alabama boat owners.