Monday, May 20, 2024

Does Progressive Boat Insurance Cover Freeze Damage

Do I Need To Winterize My Boat In Georgia

How to Get Cheapest Boat Insurance with the Best Coverage

Since the temperature has begun to fall, many boat owners are winterizing their boats. However, you may notice many boaters claiming that they dont need to winterize their boats. Well, in some cases, theyre right. Many anglers can continue fishing without winterizing their boat. However, if you have a boat with an inboard engine, youll need to take a few precautionary measures.

This may lead to many questions such as do I need to winterize my boat? If youre a boat owner living in Georgia, this article will answer your question.

Does Boat Insurance Cover Vandalism

Boat insurance will cover damages caused by vandalism for your boat if you have comprehensive coverage in your boat insurance policy. Otherwise, you cant claim your insurance for damages related to non-collision like vandalism, theft, storm, hurricane, and other damages.

A standard boat insurance plan will mostly have comprehensive coverage if not, you can add it as additional coverage. The total amount you may get depends on your value plan . With that, you can cover all the damages caused due to vandalism, theft, and others that are not related to boat collisions.

Comprehensive coverage will cover motors, sails, hull damage, safety equipment loss, etc., damages and losses.

How To Keep Boat Engine Warm In Winter

One method to help keep your inboard boat engine warn during the winter months is by using a bilge heater. A popular choice is the Xtreme Heater XHEAT 300W 110V Bilge Engine Compartment Heater. This will help you get away from having to winterize your boat and opens up more opportunities for you to be able to enjoy those beautiful days during the winter and allow you to get more use out of your boat without having to perform the winterization each time.

What the Xtreme Heater does is that it creates a pocket of warm air that is stored within your engine compartment, keeping your engine and hoses from freezing. These heaters are ABYC certified and deemed to be one of the safest options to keep your engine compartment warm.

I read a valuable point on a message board from one user who stated that you should never use an electric blanket, bulb, socket, or switch to try keeping your engine warm in the water. The reason for this is because the fumes from the gasoline could collect in the engine compartment. A slight spark caused by an electrical device could cause an explosion.

Before you purchase an Xtreme Heater XHEAT, it is recommended that you speak to your local marine dealership, or boat manufacturer to determine what size of the heater you would require for your sized compartment.

  • 300W Heater will work on any boat that is 24 feet and below. Amazon has these on for $305.13. .
  • 600W Heater will work on any ship that is 29 feet and over. Amazon has these on for $405.00.

Read Also: How To Clean Mildew Off Boat Seats

You Should Leave Your Boats Internal Gas Tank Full Throughout Winter

This statement is true. Previously people used to empty their boats tank because of the presence of ethanol in the fuel supply. When the season ends, they used to add plenty of fresh gas as soon as possible. But today, the built-in gas tanks help with preventing condensation from forming inside the tanks walls.

If your tank is nearly full, theres some space left for fuel expansion. This prevents water droplets from mixing with the fuel. If the two mix then phase separation occurs where water and ethanol separate from the fuel and settle on the bottom of the tank. This can damage your engine or cause it to stall.

For boats with portable gas tanks, you can easily remove and clean the tanks. If you store your boat at a marina, then you should see what their fuel storage policy is.

Keep in mind, water and fuel mixing is dangerous. Once this process occurs, no amount of fuel stabilizer will help. Therefore, you should hire a professional to remove the mixture.

How Can I Avoid My Boat Getting Caught In A Storm

Dont Miss Deadline To Add Ice/Freeze Coverage To Your ...

If you’re a new boat owner, learn how to prepare for hurricane season. Always check weather reports in advance and keep an eye on the horizon for unexpected weather. Here are some indications that bad weather could be approaching:

  • Flat clouds getting lower and thicker
  • Sudden drop in temperature
  • Dark clouds to the west or southwest
  • Puffy clouds that rise vertically

Related articles

Recommended Reading: 321 Boat Club Reviews

The Best Jet Ski Insurance In 2021

Ski Safe offers comprehensive jet ski insurance for as little as $85 a year and offers customers a number of discounts, benefits, and customization options to provide affordable and reliable coverage.

  • High deductible under some circumstance

  • Some quotes not available online

Unlike many of the other providers we reviewed and included in this list, SkiSafe is dedicated to one thing: providing insurance for jet ski, boat, and other PWC owners. They have over 500,000 insured customers and offer some of the lowest premiums in the industry. They also have several policies, discounts, and customization options that make them the best overall insurance provider for jet ski owners.

Ski Safe customers can choose between four different packages: Liability Only, Basic Package, Premium Package, and a Build Your Own package. Limited liability coverage costs as little as $85 a year, but if you want to add additional coverage, packages start at $203 a year. Depending on which package you choose, coverage can include physical damage, bodily injury, medical payments, towing, fuel spills, and roadside assistance.

Ski Safe also offers a few discounts, including ones for purchasing online, completing a boating safety course, and, if you dont use your jet ski year-round, one for the winter lay-up period.

Does Boat Insurance Cover Storm Or Hurricane Damage

Boat insurance will cover storm or hurricane damages for your boat only if you have comprehensive coverage in your insurance policy. Otherwise, you cant claim your insurance for damages related to non-collision like a storm, hurricane, vandalism, theft, and other damages.

A standard boat insurance plan will mostly have comprehensive coverage if not, you can add it as additional coverage. The total amount you may get depends on your value plan . With that, you can cover all the damages caused due to weather-related issues.

Comprehensive coverage will cover motors, sails, hull damage, safety equipment loss, etc., damages and losses.

Don’t Miss: How Much Does Freedom Boat Club Cost

Does Boat Insurance Cover Damage As A Result Of Freezing Water

A boat is a large ticket item that requires the proper coverage to ensure that it doesnt receive damages that are going to inflict a financial toll on the owner. There are many factors to consider when purchasing your boat insurance. One of the many concerns that boat owners have is damage that results from freezing temperatures and ice. Will your boat insurance cover damages as a result of the cold weather?

Freeze Insurance

Most boat insurance policies have limits regarding what it will cover under what circumstances. Sure, your boat insurance will cover damage on the water under normal conditions, but it might not cover your boat or motor if it is damaged as a result of freezing weather. There is good news, however. There is freeze insurance that can be added to your policy that is designed to offer protection from freezing temperatures. In most cases, this insurance is primarily covering the engine, but may also offer protection for the body of the craft. Ask your insurance agent what type of additional freeze coverage they offer and learn what the terms of the coverage area before making your decision.

Protect Your Investment

Protect your boat with the right insurance products by consulting The Smith Insurance Group, Inc. They are ready to help the residents of Sandy, UT get the coverage they need to have peace of mind. Call or stop by the office for more details.

Understanding Homeowners Coverage For Docks

Q& A With the Agent: How are trailers (travel, utility, campers, etc) covered on insurance

If you own a boat, you might be wondering if your homeowners insurance will cover the dock on your property where you moor your boat. The biggest criteria for whether a dock can be covered is that it typically must be on property you own as your primary residence a dock or pier you rent at the marina wont be covered by your insurance. Thats up to the marina to insure.

Your homeowners insurance can provide coverage for your dock or boat launch as additional other structures coverage, allowing you to protect the financial value of your dock from several types of covered damage. Dock insurance coverage will vary from insurance company to insurance company, so check with your agent to understand the ins and outs of your policys available additional coverages.

If you have a pier, dock or wharf that you can remove seasonally, it could be considered personal property and be covered under your personal property insurance coverage. Check with your insurance agent to see what your homeowners insurance will cover.

You May Like: Freedom Boat Club Fees

Boat Insurance: Uncertain Waters For Vessel Owners

Unless your vessel is small, slow and inexpensive, whether you should purchase Boat Insurance is not subject of debate. You should.

While most states dont require insurance for watercraft, many marinas do, and if youre financing the purchase of a boat, your bank will definitely require coverage. Moreover, boat insurance is invaluable protection for the investment youve made and against the liability you could incur.

Now how much youll pay for Boat Insurance and whether youll even be able to obtain coverage are very different matters. Here were navigating uncertain waters.

Property and Casualty Insurance in general is in the midst of a hard market right now, and the marketplace for watercraft is no exception. Largely due to successive years with multiple catastrophic weather events, insurance pricing is up while availability is down, and that means underwriters are being highly selective regarding whom they choose to insure.

Since last year, five carriers have ceased providing yacht coverage: American Reliable, Brit, Falvey, Ironshore and Pantaenius. Given the hurricane forecast for 2021 after a record-breaking 2020, theyre probably not regretting their decision.

So whats a boat owner to do?

Before we answer that, lets address what Boat Insurance covers.

Coverage and Cost

Other Boat Insurance coverages, as outlined by the Insurance Information Institute, include:

Optional coverage is available for trailers and accessories at additional premium.

What You Can Do

Types Of Boat Insurance Coverage

This will depend on the type of policy, but common coverage add-ons include:

  • Specialized Coverage: Coverage for something specific on your boat like an expensive prop or navigation equipment.
  • Salvage: Coverage that pays to remove your boat due to damage, from substantial to minor.
  • Consequential Damage: Covers a loss that was the result wear and tear rather than an accident .
  • Towing: Towing your boat across a body of water to safety can cost $400 per hour.
  • Cruising Extension: You can get temporary, additional coverage if you plan on leaving the USA .

Recommended Reading: Freedom Boat Club Beverly

Boat Insurance: An In

Your prized boat probably didnt come cheap. Whether you own a bass fishing boat or a yacht, its important to find the right boat insurance that will come to the rescue if you have damage or theft. Heres how to understand boat insurance policies.

In this article

Get Covered For A Variety Of Uses For As Low As $100/year*

Progressive Insurance Quote Boat Progressive Boat ...

Powerboats, also known as motorboats, can encompass anything from a runabout to a yacht. Theyre used for everything from water sports to fishing, but the common characteristic is a capable propulsion system. With speed comes a higher risk of accidents, so youll want to make sure you and your speedboat are properly insured before you hit the water.

Quote powerboat insurance online, and you can get immediate coverage. Here are some of the common powerboats we insure:

  • Bass and fishing boats
  • Walkarounds

You May Like: Does Illinois Require Boat Insurance

Does Flood Insurance Cover Docks

Typically, flood insurance will not help to protect a dock from damage or loss, so your dock would not be covered by flood insurance. There may be some circumstances under which a dock is covered for flood damage, but you will need to check with your insurance agent to confirm your coverage details.

Dock insurance is an important thing to have if you own a dock or boat launch, so connect with your American Family Insurance agent today to make sure youre covered. If you dont already have it, consider boat insurance, as well, to help protect the financial value of your boat from things like physical damage and protect your financial well-being with personal liability coverage in case someone is injured on board.

Fishing Equipment Or Carry

You can get full replacement cost up to $10,000 for fishing equipment and up to $5,000 for personal property such as scuba gear, phones or other items that you carry on board and are lost or stolen.

Example: $5,000 worth of fishing equipment is stolen from your boat, but its a few years old and only worth $2,000. Progressive pays what it costs to buy brand new equipment . That could be $5,000 or even more.

Don’t Miss: Diversey Harbor Slip Rates

Is Storm Damage To My Vehicle And/or Boat Covered

If you purchased Comprehensive Coverage, storm damage to vehicles is generally covered, minus the deductible you selected. If you purchased Comprehensive coverage on your policy, storm damage is covered on a qualified claim. A deductible usually applies, and payment is subject to terms of the policy.

Why You Need Specialized Boat Insurance Coverage

How Do Insurance Companies Work? : Insurance Needs & Tips

Boat insurance is not required in all states. However, if you finance your boat or dock it at a marina, you may be required to have a specialty boat policy. Get more information on boat insurance requirements.

Off the water, you may be able to insure your boat on your homeowners policy. But homeowners policies typically cover small low-powered watercraft and offer few optional coverages. Thats why so many boaters choose Progressive specialized policies. With us, youll get all the coverages listed above .

Read Also: Hydrofin Pontoon

What Makes A Good Boat Insurance Company

A good boaters insurance company will:

  • Offer all of the standard coverage options listed above.
  • Cover many causes of damage.
  • Offer a variety of discounts.
  • Have the optional coverage types you need.
  • Offer competitive premiums, coverage limits, and deductibles.

Additionally, consider the following factors:


When comparing companies, you may also want to look at their online accessibility. Do they have an up-to-date website and mobile app? Can you get a quote online? Apply online? Get answers to your questions online? Make claims online?

All of these help to make for a more convenient experience.

Customer service

Further, how does the company rate with past customers? A company can say a lot of great things about itself, but a large sampling of past customers will reveal the truth.

Its better to find out in advance about problems like frequently denied claims or unhelpful customer service representatives.

Financial strength

Its also important to analyze the financial strength of a company to determine how reliable they are and if they will be able to cover your claim. There are several rating agencies: each with their own scoring system. SuperMoneys financial strength rating combines the rating from leading risk assessment agencies to help you get an overall idea of a companys financial reliability.


Boat Insurance Basics: What’s Covered

Learn about boat owners insurance and what the coverage means to you.

Did you know that boat insurance is one of the earliest known forms of insurance? Ancient sailors knew firsthand about the risks of a life at sea and sought to insure their boats against hurricanes and other unpredictable weather and waters. And it still applies today.

Boat insurance policies can vary widely in what they do and do not cover based on a number of considerations, including the type of boat, the waters it will traffic, and how many months of the year the boat will be used. Still, there are a few basic kinds of coverage you can expect to receive, as well as some potential discounts for safe boaters.

Don’t Miss: Where To Buy Boat Canvas

Shopping For Boat Insurance

Start with a little fact-finding. Ask your boating friends which company they use and how their claims have been handled. The way an insurer has handled claims in the past is a good indicator of the quality of service you can expect in the future.

State insurance regulatory agencies are also a good reference and can be found online.

Will My Boat Engine Freeze Everything I Have Learned

Does Boat Insurance Cover Ice and Freezing

With all of the freezing temperatures that we have had lately, Its hard not to wonder about my engine and if I should be concerned about it freezing or not.

After doing many hours of research on the topic, I was able to put together a helpful informational guide that I would like to share with you.

Engines that are not properly winterized run the risk of severe damage, such as cracking, which is caused due to water freezing inside of the engine from cold temperatures rendering even the best engine useless.

Read Also: How To Clean Mildew Off Boat Seats

Will My Rates Go Up As A Result Of My Storm

Filing a Comprehensive claim will typically not cause your rates to increase. However, policy rates for areas strongly affected by a major storm eventually may increase because of our loss experience in these areas. In cases like this, it’s possible that all drivers in the affected areas may see rates increase – including those who did not file a Comprehensive claim – due to the catastrophe-prone location.

Popular Articles
Related news