Uninsured/underinsured Watercraft Bodily Injury
Many boaters in the country are uninsured or underinsured. This is because boat insurance is not generally mandatory, unlike auto insurance. This means that you will not get paid in case someone uninsured or underinsured hit you while at sea. To prevent this, get this type of insurance. This coverage pays for lost wages, medical treatment fees, and other related costs.
Bundle Policies To Save On Boat Insurance
Do you have more than just a boat to insure? If you are in need of car insurance, home insurance, or insurance for your RV, ATV, UTV or camper, Vanyo Insurance Group can save you money when you bundle several personal policies together. Ask a Vanyo agent about bundling your watercraft insurance with other policies to see how much money you can save!
Home Insurance And Your Boat
One of the biggest reasons people might not purchase boat insurance is the misunderstanding that boats are covered under their home insurance policy.
While your home insurance policy may provide very limited coverage to smaller boats on your property, the general rule of thumb is most large items that have their own specific type of insurance available to them can only be covered by that specific insurance. So, if you have a boat, your best bet is to have it insured with boat insurance.
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Vandals Can Be On The Prowl
In addition to weather, theft and vandalism are other big problems that boat owners face in Arizona. Once again, if you leave your boat unattended during the winter months, it opens the door for prowlers of all kinds to commit their crimes. They may graffiti your boat, raid it for parts, or even steal the whole thing. Luckily, boat insurance covers these types of foul acts.
Do I Need Boat Insurance For A Non
Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB , boat insurance will protect your investment if the watercraft is damaged during an accident. It should also protect you if a claim or lawsuit is filed against you.
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Should You Get Boat Insurance
If you live in Arizona and own a boat, youre probably a huge fan of taking trips down the Colorado River, fishing at Lake Pleasant, or taking a dip in Lake Havasu. These are all great ways to escape the heat and enjoy the states natural resources. But do you have the protection you need to keep you and your property safe on these excursions? Boat insurance from Oasis Insurance is an excellent way to protect you in the case of an accident. While the state of Arizona does not require you to be insured to hit the waters, there are still several reasons why you should consider this type of coverage.
How Much Does Boat Insurance Cost
According to the Insurance Information Institute, some homeowner insurance policies cover damage on small boats or watercraft with less than 25 mph horsepower.
Be careful, though, because coverage tends to be low sometimes only $1,000 or 10% of your homes value. Larger watercraft need to carry their own policies.
For example, Progressive starts their boat insurance at $100 a year depending on the value of the watercraft and additional coverage you need. They also offer discounts including:
- Safe boater: You have no violations or accidents recorded for the last three years.
- Pay in full: If you pay the entire year upfront.
- Original owner: If you have been the only owner on your boat.
- Homeowner policy: If you own a home, townhome, or condo .
- Multiple boats: You have more than one watercraft or boat to insure.
- Safety course: Completed a state-approved boating course.
- Multiple policyholders: If you insure a car, home, or anything else, you could receive a discount for bundling.
Some insurers place limitations and restrictions on the type of boats they will cover. Be sure to double check before moving forward with any policy or boat purchase.
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At What Point Do I Need A Captains License
If you own a boat or spend a lot of time out on the ocean, youve probably come across the term captains license. You may even be wondering if you need one to operate your own personal vessel. If youre taking your boat out leisurely on the weekends with family and friends, then you dont need a captains license, however if you are carrying passengers for hire , youll definitely need to attain one.
A captains license is similar to a drivers license, only for boats. There are a number of licenses available, based on the type and size of the vessel being operated but there are two main types that are issued by the United States Coast Guard :
Weather Can Be Dangerous
Boats can be difficult to store, making them more vulnerable to natural disasters like flooding, fires, or even dust storms. While youre probably checking up on your boat at least every couple of weeks in the summer, you might be less likely to do so in the winter when things cool off a bit. You might not even realize your boat has been affected until weeks later, when the damage is too late to repair. This can be extremely expensive to deal with out of pocket, which is why insurance is so helpful.
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Types Of Boat Insurance Coverage
There is no such thing as a one-size-fits-all boat insurance policy. You have specific risks that demand unique coverage. At Neeley Insurance, we ask many questions about your boating habits to help us determine which level of coverage you could most benefit from. Examples include:
- What kind of boat do you have?
- How old is your boat?
- Have you taken a boater safety course?
- Do you store it in a public marina, a private dock, or in an off-season storage area?
- How often do you use your boat?
- What purposes do you use your boat for?
What Does Boat Insurance Cover
Boat insurance can cover physical damages to your watercraft as well as any injuries or damages you cause to others while boating. Here are some common coverages available on a boat insurance policy:
- Liability: Pays for any damages or injuries you cause to others while boating, up to the limits of your policy.
- Physical damage coverage: Physical damage coverage includes both comprehensive and collision coverage, and includes coverage for damages from events outside of your control, such as weather, theft or fire. Coverage also extends to damages sustained in a collision with another watercraft or object, regardless of fault, including if your boat capsizes.
- Uninsured/underinsured boater : Pays for your injuries if you’re hit by a boater with little or no insurance.
If physical damage coverage is included on your policy, the hull, furnishings, fittings, and other components such as motors, anchors, fuel tanks, batteries, and onboard safety equipment are typically covered if damage occurs due to a covered incident. A standard boat insurance policy will also commonly cover fuel spills and wreckage removal if your boat sinks.
Learn more about boat insurance coverages including those you’ll only find at Progressive.
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Is It Mandatory To Have Insurance On A Boat
If youre wondering, Do you have to have insurance on a boat?, the simple answer is no. The majority of states do not require you to carry boat insurance. You may assume that you need it in cities surrounded by water. However, only a few states require proof of insurance.
The chart below lists each state and their boat insurance requirements.
Yes, just Arkansas, Hawaii, and Utah require you to have a boat insurance policy. But what about a license?
Do I Have To Take An Online Exam
The Certification Exam is the exam you take at the end of the online course. You must score at least 80% on the exam to pass. You have unlimited attempts to pass the exam. If you dont complete the exam in one session, dont worry. When you log in later, you will be taken to the first unanswered question of the exam.
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Leave The Dock With Peace Of Mind
A boat insurance plan allows you to enjoy the waters without worrying about the safety of everyone on board. Boat insurance providers offer different coverage options to suit the unique requirements of each boat owner. The types of protection typically included in a boat insurance policy are as follows:
This pays for the repair of your watercraft if itâs partially damaged in an accident or the replacement of your boat if itâs stolen or wrecked beyond repair in an accident. The coverage applies whether your boat is on water or land.
This covers the medical bills and the property repair and replacement expenses of another boater involved in an accident for which you are at fault. If the other party sues you, this compensates your legal fees as well.
Uninsured watercraft coverage
If you and your passengers are hurt in a watercraft collision caused by an uninsured boater, this provides coverage for your medical care.
Medical payments coverage
This insures you and your companions against any boating accident, whether it is your fault or not. This reimburses the cost of your and your passengersâ medical care if you are injured.
Examples Of Reckless Or Negligent Operation Include:
- Weaving through congested boat traffic.
- Operating a boat in a restricted area.
- Riding on the gunwales, transom or decked over bow of a boat that is operating at greater than no wake speed.
- Operating with a passenger or passengers on the bow, in a manner which obstructs the view of the operator.
- Chasing, harassing or disturbing wildlife.
- Platform dragging .
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Help Prevent The Spread Of Non
Preventing the spread of aquatic nuisance species is the most environmentally sound and cost-effective method for battling aquatic hitchhikers. Prevent Aquatic Nuisance Species by doing the following:
- Clean all recreational equipment before and after using all waters.
- Do not release or put plants, fish or other animals into a body of water unless they came out of that body of water .
- Do not release unused bait into waters .
- Do not release anything from an aquarium into any body of water or storm drain.
Which States Require Boat Insurance Heres What You Need To Know
Do you dream of the wind in your hair and the exhilaration of being the captain of your own boat?
If you live for Saturday afternoons out on your watercraft, you may want to consider getting boat insurance. Even if youre not concerned about damage or theft to your boat, you may still face other potential risks.
So if youre unsure whether or not to get boat insurance, here are a few things you need to know to help you decide.
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Shopping For Boat Insurance In Arizona
Shopping for Arizona Boat Insurance? Greene Insurance Group will help you find comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. Youll enjoy being on the water even more when you arent worried about your safety, the safety your passengers, or your investment.
Boat Speed Limits And Operation In Restricted Areas
It is illegal to operate a boat in excess of the posted speed limit or at a speed greater than is reasonable and prudent under the prevailing conditions and potential hazards. In every event, speed shall be so controlled as may be necessary to avoid colliding with any person or other boat, swamping other boats or otherwise endangering the lives or property of other people.
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What Are The Boating Safety Laws In Alabama
The Boating Safety Act of 1959, the Roberson/Archer Act of 1994, and the Boating Safety Enhancement Act of 2001 are designed to promote the full use and enjoyment of Alabamas waterways, provide for the registration of watercraft, and insure the safety of persons and property in connection with the use of the waters of the State.
Do You Need Boat Insurance In Ontario
There are many reasons why insuring your boat is a good decision. Boating has inherent risks, for example, hitting a submerged object. This type of accident is common and often results in the motor needing to be replaced, which can be expensive. Your belongings could also be damaged if your boat is in an accident. Another reason to insure your boat is if you cause injury to another person or damage their property while using it. Your boat could be damaged not only on the water but also when you are transporting it and while it is in storage. Boat insurance also covers theft and vandalism.
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Arizona Boating And Alcohol Laws
It is illegal in the state of Arizona for any person to operate or be in actual physical control of a motorized boat that is underway while under the influence of an intoxicating liquor, any drug, or a vapor releasing substance which causes them to be impaired.
- All peace officers of the state, counties and cities.
- The Coast Guard .
Enforcement officers have the authority to stop and board boats to ensure they are in compliance with state laws.
When signaled by law enforcement, boat operators are required to stop their boat and allow officers to come aboard or alongside. The operator may be ordered ashore to correct any unlawful or unsafe condition. Any operator who willfully flees or attempts to elude law enforcement will be guilty of a class 5 felony.
Boat Insurance Requirements By State
Generally speaking, you won’t be required by your state to purchase boat insurance. In fact, only a handful of states require boaters to purchase insurance, and the requirement is often limited to boats with engines rated to have at least 50 horsepower. The table below lists the insurance requirements for each state.
|Arkansas||Liability insurance with at least $50,000 in coverage is required for all boats powered by engines of more than 50 horsepower.|
|Hawaii||Only for boats parked in Department of Land and Natural Resources Division of Boating and Ocean Recreation facilities. Liability insurance with at least $500,000 in coverage is required for all boats parked in DOBOR facilities, including harbors and offshore moorings. The insurance policy must name the State of Hawaii, DOBOR as the “additional insured” or “additional interest”. The policy should cover salvage costs for grounded or sunken vessels, damage to docks, pollution containment and wreck removals.|
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Are There Any Legal Requirements To Operate A Boat
A lot of people dont know this, but Pennsylvania requires persons born after 1982 to complete a brief boating safety course to be legal on the water. If you dont complete the course, you can actually get fined.
Taking the course even if you arent legally required to can actually lower your boat insurance premiums.
Secure A Top Insurance Policy For Your Boat
Many risks and liabilities come with owning a boat, making finding the right boat insurance coverage essential before spending time out on the water in Peoria, Litchfield Park, Waddell, El Mirage, Glendale, and Surprise and surrounding areas of Arizona. You can protect your investment and yourself from liability suits with a suitable boat insurance policy. Our team of qualified brokers stays updated on the ever-changing market and understands the complexities of the various policies available.
Our team is thorough in collecting the necessary information to obtain quotes from the top . Our goal is to provide you with the best options for insurance carriers to prepare you for any event or accident that can occur. You can feel confident getting more use out of your vessel by obtaining professional assistance as you search for the right policy for your specific needs.
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We Specialize In Boat Insurance In Arizona
Boats and personal watercraft are big investments, but if you love being out on the water, you know theyre worth it.
So protect your fun investment with coverage thats designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance.
Hercor Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive boat insurance protection that protects you, your friends, family, your watercraft, and your boating equipment.
The average boat policy costs less than a dollar a day. Youll enjoy being on the water, even more, when you arent worried about your safety, the safety of your passengers, or your investment.
Do you know what to look for in a boat insurance policy? Hercor Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.
Operating Watercraft In Arizona
Arizona does not currently mandate any boater education requirements to operate a motorized boat. However, boating education courses will teach you the necessary skills to be a safer boater. After all, you wouldnt get behind the wheel of a car without first having educated instruction, so consider the same for operating your watercraft. You may even be able to save some money on your boat or personal watercraft insurance after taking a boater education course.
Depending on where you take courses, you can learn skills such as trailering your vessel, navigational rules, anchoring, safety, and legal requirements. Many boating education courses offer online classes as well. For a list of online courses, visit here.
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