wholesale oakley Basics of Fishing Boat Insurance_

Boat insurance is a must today and having coverage before towing a new boat home is highly recommended, in fact it's a must. Unlike automobile insurance marine insurance varies significantly from one company to another. This is certainly one aspect of boating that isn't much fun but getting the right insurance for your needs now can certainly lessen frustration in years to come, yet alone soften the blow to your pocket book if some type of loss were to happen.
The first element of boat insurance is physical damage. This is best described as damage that may occur to the hull, outboard or inboard engine, interior of boat, propeller, and the trailer. Whether it be caused by an underwater obstacle, a mistake on your part replica ray ban, or caused by another boat make sure the policy you're considering will provide coverage. Also make sure physical damage that may occur while towing your boat down the road is covered. There are so many variables here that it may make your head spin, but be very sure that you ask your agent every question that comes to mind. What you are really looking for here is an "All Risk" policy. If you navigate rivers with your boat I would recommend a low deductible as underwater obstacles are fairly common and propeller and lower unit damage is very costly. Please note this aspect of boat insurance does not typically cover equipment such as trolling motors, fish finders wholesale oakley, and other fishing gear.
Next is the liability aspect of insurance. This insurance is to cover any legal obligations that may arise from using your boat on the water or towing it down the road. Boats trailers have come disconnected from the tow vehicle while traveling down the road before and this poses all kinds of financial risks for the owner. This is just one example of why boat owners need insurance coverage. Other aspects of liability coverage to question would be the expense to recover a sunken or wrecked boat. Once again don't hesitate to ask every question you may have. Now is the time, not after something happens.
Another aspect of boat insurance is loss of personal property and fishing gear kept in the boat. I would highly recommend not relying on home owners insurance to cover this potential loss. Such items this would include are rain gear, sunglasses, fishing lures replica ray bans, fishing rods and reels, electronics such as fish finders and GPS units, trolling motors, ext. Not only is coverage for these items needed but also be sure to ask if any limitations may apply to their insurance protection. For example if a fish finder was stolen but not locked in a storage compartment of the boat will it be covered? I would also highly recommend documenting every item including lures that you want covered on paper, pictures, or video. Be sure you are comfortable with the deductible being offered by your insurance agent.
Other elements of insurance to consider are medical payment coverage, towing coverage, and uninsured boater coverage. These elements are typically covered but be sure to confirm the coverage and understand it.
Good luck fishing this season and always remember to fish and boat safely!



Jeff Matura has been fishing during the open water season and through the ice for over twenty years in the Midwest including the Mississippi River for crappie, walleye, and bass.
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