| If you are out on the water, then you are | | | | it or disembarking. |
| there to relax. There is nothing like boating | | | | |
| to blow your cares away and allow you to get | | | | Don't forget to check to make sure that your |
| a little closer to absolute bliss. | | | | trailer is also covered by your boat |
| Unfortunately, there is nothing like a | | | | insurance policy, since damage to your |
| boating accident to bring all of those | | | | trailer can be both expensive and extremely |
| worries and cares to the forefront of your | | | | inconvenient. Loss of the trailer should also |
| mind, and add to them as well. Boating | | | | be covered, as it does no one any good on the |
| insurance is supposed to make your time on | | | | bottom of the lake, damaged or not. |
| the water less stressful and any accidents | | | | |
| that you might suffer less impactful on your | | | | If you own a shipyard or use your boat for |
| life. | | | | business purposes, then any non-crewmen |
| | | | working on your boat are covered as well. |
| A good boating insurance policy covers | | | | This includes mechanics, carpenters or |
| liability, collision, and damage by | | | | painters and cleaners who are working on your |
| vandalism. The coverage itself will vary with | | | | boat. If any of these people sustains injury, |
| the type of watercraft that you own and | | | | then their medical expenses are covered by |
| operate, but all of the policies are intended | | | | your boating policy. Crewmen injured aboard |
| to help you get underway without fear. | | | | your boat should be covered under the federal |
| | | | Longshore and Harbor Workers' Compensation |
| Protection of your boat usually covers damage | | | | Act. |
| to the hull, sails, machinery, furniture, and | | | | |
| most other equipment that is used in the | | | | If you are a believer in the saying "better |
| normal operation of your boat. If your | | | | safe than sorry", then you will probably be |
| docking procedure is short a buoy or two and | | | | interested in insuring your boat against the |
| your hull is a casualty, your insurance | | | | little extras that might come along. Extra |
| company will cover the damages. | | | | insurance can be purchased to insure your |
| | | | boat against uninsured boaters who might |
| Your insurance company should also cover the | | | | damage your watercraft. |
| damages to the dock itself resulting from you | | | | |
| collision with it, or to any other boats that | | | | If you are an avid fisher, or if you like to |
| you may have collided with. Most policies | | | | bring a few little extras along with you on |
| also cover vandalism to your boat, malicious | | | | long boating trips, then you might want to |
| mischief, and often even damages resulting | | | | find a policy that will allow you coverage of |
| from latent defects of workmanship. | | | | these things. With many policies, you can add |
| | | | coverage to insure your personal property, |
| Your boat insurance policy should also cover | | | | and even your fishing equipment against |
| liability losses (like that dock that you | | | | damage or loss. |
| bumped earlier) as well as bodily injury or | | | | |
| death of another person as a result of your | | | | Boating is supposed to be relaxing. Having |
| negligent operation of the boat. The | | | | your boat and your gear properly insured will |
| insurance policy will also cover your guests | | | | help you to leave the cares of life behind |
| or family's medical expenses if they are | | | | you as you sail into the sunset. |
| injured while on your boat, or while boarding | | | | |