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.|
Dedicated Louisiana Boat Insurance Claims Attorneys
There are hundreds of thousands of boats registered in the State of Louisiana, and if you are one of the owners, you know that boating requires comprehensive insurance coverage that covers the boat itself, the people enjoying its use, and the other vessels and their passengers who share our waterways, lakes, swamps and seas.
At The Minias Law Firm our Louisiana boat insurance claims attorneys understand that just because you have an insurance policy to protect you in case of an accident, storm, or third-party negligence, the insurance company is not always going to pay the maximum amounts they have outlined in your policy. Insurance companies have long been notorious for writing policies they never plan to cover, and when our Louisiana residents fall victim to insurance denials, partial payments, or slow paying recovery methods, our boat insurance claims lawyers in Louisiana are here to force their hands.
How Many Boat Accidents Occur In Louisiana Each Year
According to the Louisiana Fish and Wildlife Conservation Commission, last, in a year in the State of Louisiana, there were 766 reported boat accidents that caused:
- 67 fatalities
- 437 injuries
- $8,531,187 in property damage
The property damage total does not include the costs associated with the personal injuries or wrongful death cases that were brought forth by those who were hurt or the families who lost their loved ones. If an injury occurs aboard your boat or as a result of a collision with your boat and you are sued by the passenger or another boater, the financial fallout can be life-changing.
Insurance coverage is designed to protect you from the worst-case scenarios during boat ownership, which can include everything from losing your vessel completely during a hurricane to another boater colliding with your vessel and sinking it fully.
Our boat insurance claims attorneys in Louisiana know that while these are instances you cannot control, your insurance policy is in place to protect you from the unknown. And when your insurance company fails to make good on the policy that they wrote, you do not have to accept their deflated offer. And you should not compromise your position.
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What Is The Proof Of Online Louisiana Boat Ed Course Completion
Once you pass and pay for the online course, you will be able to immediately print out the Temporary Boater Education Certificate. This is your proof of online course completion. You can print the Temporary Boater Education Certificate right then, and/or request that a PDF be emailed to you. This certificate EXPIRES 60 days after course completion.
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What Does Boat Insurance Include
When you purchase boat insurance, standard insurance will typically cover the following:
- Bodily injury: If someone gets injured while on your boat, this will help cover legal and medical bills associated with the accident.
- Property damage: This coverage will protect you if you are at fault in an accident that caused damage to another boat or property.
- Collision: If youre in an accident, this will pay for the cost of repairing or replacing your boat. This coverage is usually optional however, a lender may require you to purchase it if youre leasing.
- Comprehensive: This coverage will pay for repair costs if your boat gets damaged from something other than a collision this includes floods, storms, fire, theft, and vandalism.
- Uninsured/underinsured motorists: If an uninsured or underinsured motorist causes damage to you or your boat, this coverage will help protect you.
- Medical payment coverage: If youre involved in an accident, this coverage will pay for the medical costs regardless of who is at fault. Some policies will even cover funeral expenses.
There are also additional options you can add to your coverage, such as:
Keep in mind your insurance should cover all operators.
Talk to your insurance provider and make sure you have all the appropriate options added to your plan for your specific situation and climate.
What Is Louisiana Boat Insurance
Boat insurance is designed to cover boats that have motors or sails. A new boat can set you back tens of thousands of dollars, so it is worth insuring this large investment. Imagine if your boat was damaged by rocks in shallow water, or if it was destroyed by a hurricane-induced storm surge while docked at the marina, or worse, if you caused someone else serious injuries after colliding with their watercraft. Without boat insurance, your financial losses could be devastating.
While your homeowners insurance or renters insurance policy may be able to offer you some coverage, these policies typically offer very limited coverage. Instead of risking a large financial loss that could have been avoided, you can invest in an affordable boat insurance policy. Independent insurance agents can help.
Save on Boat Insurance
Our independent agents shop around to find you the best coverage.
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Protection & Indemnity Insurance In Louisiana
Protection & Indemnity typically accompanies hull insurance, but also protects vessel owners in the following situations:
- Personal injury
- Third-party damage
AWS can provide you access to the top carriers for Commercial Marine & Longshore Insurance.
Contact one of our Marine Insurance professionals today. AWS is located in Metairie and serves New Orleans, Mandeville, Lafayette, Cut Off, Galliano, Houma, and surrounding areas.
Replacing Your Louisiana Boat Registration
A Louisiana boat registration is typically kept in a waterproof container on the vessel to avoid damage or misplacement. Accidents happen and boaters will need to get a boat registration replacement when it has been lost or damaged.
The LDWF will need to be notified within 15 days of the loss. Boaters needing a boat decal replacement will be required to submit a registration application and send $8 for the registration or $13 for decal and registration.
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Is Flood Insurance Required In Louisiana
There is a rumor that those living in Louisiana can bypass flood insurance and rely on their home indemnity policy alone to get them through the challenges that inclement weather brings. Such a notion is nothing short of a fallacy.
Flood Insurance Is A Necessity
There is no official state law that requires all individuals living in Louisiana to obtain flood insurance. Congress, however, has mandated that all lenders with mortgaged properties in high-risk areas require borrowers of said homes and commercial spaces to obtain flood insurance policies. Baton Rouge, LA is definitely a high-risk area, thanks to Hurricane Katrina and other storms that ravaged the city in past times.
Homeowners Insurance Is Not Enough
The average person, unfortunately, believes that their home indemnity plan is enough to keep them covered in a storm that leads to flooding. The reality, however, is that a standard home insurance plan does not pay for damages caused by flooding or any other natural disaster. You may find yourself out of thousands if your home suffers flood damage while you lack the proper indemnity plan.
How Much Does Flood Insurance Cost?
There are times when taking risks is a good thing. Such is not the case when it comes to flood insurance. You need a plan that fits your lifestyle in Baton Rouge, LA. An agent from Cordell Insurance can help.
Keeping Boat Insurance Afloat In The Off Season
Summer is over, and youve taken your boat out of the water. To save a few dollars, you cancel your boat insurance. After all, what could possibly happen to your baby while its hibernating? A lot, according to Progressive.
Youd be shocked at the number of claims filed in colder months, says Dominic Mediate of Progressive. Nearly two out of every 10 Progressive boat claims filed in northern states happen between Labor Day and Memorial Day.
Dont gamble that nothing bad will happen. Common off-season claims include:
Fire, Theft, Vandalism and Flooding Most claims are filed for one of these reasons, which can occur anytime of year. Without coverage, boats damaged by fire, theft, vandalism or flooding arent protected.
Injuries that Occur on or Around Your Boat Some boaters dont realize they could be responsible for injuries that occur on or around their boat even if the injured person was there illegally. Without liability coverage, you could be responsible for the damages or the injured persons medical bills.
Keeping your policy all year round might also save you a few bucks. For example, Progressives disappearing deductibles reduce your Comprehensive and Collision deductible 25 percent for every claim-free policy period. Four policy periods in a row without a claim equals a $0 deductible.
Canceling your policy could mean paying more or the entire deductible, generally $500 or $1,000.
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Louisiana Boat Registration Policies And Procedures
All motorized boats and watercraft , must be registered with the Louisiana Department of Wildlife and Fisheries used in Louisiana waters.
You need to fill out the title and registration application and submit it in person or by mail to the LDWF in Baton Rouge. Supplemental documentation is required for various types of boats . Visit the LDWF website to make sure you have copies of all of the required paperwork for the type of boat you own.
Once you register your boat for the first time, you will be able to renew your registration online.
Is Boat Insurance Required In Alabama
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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.
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When To Get Help
An insurance company owes its insureds a duty of good faith and fair dealing. This means they need to actively attempt to resolve the insurance claim promptly and not unjustifiably delay the adjustment process. If your insurance claim has been delayed, denied or underpaid, you may want to consider consulting with an attorney about your legal options. In some cases, you may be entitled to recover attorneys fees and penalties due to the mishandling of your claim.
The attorneys at the MIC Firm have handled numerous hurricane insurance and maritime claims. Several of our attorneys have advanced degrees and training in the field of maritime law. Call us at if you would like to schedule a free consultation with a marine insurance attorney.
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Boat Damage And Marine Insurance Claim Attorneys Serving Louisiana And Texas
Our maritime and insurance attorneys are dedicated to recovering just compensation for insureds following Hurricane Laura.
On August 27, 2020, Category 4 Hurricane Laura struck Louisiana and Texas with a reported 20-foot storm surge. While the damage to local home and business owners was extensive, commercial vessels and recreational boats were largely destroyed. The hurricane boat damage attorneys at the MIC Firm fight so that vessel owners can recover the compensation boat owners deserve.
Boat & Watercraft Insurance
Insurance Network of Louisiana can help make your time on the water relaxed and worry-free. We will find you 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. Youâll enjoy being on the water even more when you arenât worried about your safety, the safety of your passengers, or your investment.
Do you know what to look for in a Louisiana watercraft insurance policy? Insurance Network of Louisiana can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.
Here are some items youâll need to consider when shopping for Louisiana boat insurance.
Every need is unique â contact us today to find out how to get the best boat insurance coverage for you.
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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.
Purchase Louisiana Boat Insurance
If you finance a new boat purchase, the lender may require that you purchase boat insurance as part of your agreement. Farm Bureau Insurance offers motorboat insurance that can protect your boat, motor, and trailer.
With more people on the water, more boating accidents are occurring.
With the increase of boat traffic were seeing an increase in boating accidents. Weve had some people get hurt there are some fatal boating accidents.
Sgt. Stuart Guillory, Louisiana Department of Wildlife and Fisheries
Louisiana does not require boat insurance by law. This means that if you are struck by another vessel, that person may not have insurance and may not be able to pay for the damages. As more inexperienced boaters are out on the water, we highly recommended that you purchase boat insurance in order to protect yourself against this scenario.
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Required Boat Safety Training
If your boat motor is 10 horsepower or more, you must complete an LDWF-approved Boater Education Course. Even if your boats motor is less than 10 horsepower, consider taking this course anyway! You may learn important safety information youll need later on.
LDWF makes it easy by offering several options for taking the course:
- Free, in-person courses offered by the LDWF
- Free online courses
- Paid online courses