Boats and Boating: Information on boats and boating - "The Five Things You Must Know Before Buying Boat Insurance" |
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If you own a boat, you definitely need watercraft coverage.
Too often, people don't realize that they need coverage for their boats. Some don't even realize that boat coverage is available. Many know it is available, and they think about it they just decide that this type of coverage isn't something that they need. In most cases, they are wrong! You do need boat insurance, and you need to know what you are looking for when you start shopping for the coverage.
Here are five things you must know before buying boat insurance.
Most insurance companies that cover watercrafts offer discounts to people who have taken boat safety courses. However, each insurance company will only offer the discount for specific courses. Find out which course your insurance company will honor, and make sure you take and pass the course! This will save you quite a bit on your premiums and you need the safety course anyway! Find out what other discounts you may be eligible for as well. Most insurance companies won't tell you about the discounts unless you specifically ask about them.
You will typically get the best rate from the insurance company that insures your automobiles and your home but not in all cases. When you are shopping for insurance, call your current insurance company first but then check with other insurance companies to see what kind of rate you can get. While getting quotes online is very convenient, you should avoid actually purchasing your coverage online. Call and talk to an agent personally instead, or have them call you. Remember that insurance companies are in competition with each other, and they will work with you to get your business. Let each one know about the lowest rate that you have been quoted, and ask them if they can do better!
Before shopping for insurance, think about the investment that you have made in your boat.
Boats are not cheap! Repairing and replacing boats is not cheap either. Make sure that you get the coverage that you need to protect you against all losses involving your boat!
On the sloops where I got my basic keelboat lessons, my neck developed a crick from constantly craning back to see what the Windex on top of the mast was doing. When I straightened out my neck, my eyes would fasten on the digital readouts of the knot meter and depth finder. It seemed as though sailing involved so much time monitoring different instruments and gauges that there was no time to appreciate the ride.
What did sailors do before the invention of onboard electronics and gadgets? One thing, I learned, was that they sailed with both ears. When the
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For thousands of years men have sailed the seas. From the earliest trips by the discoverers and settlers of the Americas, Australia and the Pacific Islands, through Odysseus' voyage to Troy and beyond to the time of Swashbucklers in the Caribbean mankind has made exciting voyages to the far corners of the world.
In those early days hard cold steel and brass protected the men and their ships. Today we have boat insurance, GPS systems, sonar and underwater charts.
While boat insurance is not as glamorous as a fancy cutlass nor as exciting as a cannon it does offer the
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Boat insurance is necessary for all boat owners who live on or really value their boats. If it is something that you feel you must replace then you need to insure it. If you live on your boat it is absolutely necessary that it be insured. Who would want to lose their home?
Also most boats are financed in the beginning. The lending company will insist on insurance in those cases just as they would with a house or a car. This is not unreasonable; they have as much to lose in the financial sense as you do if anything
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Isnt it exciting to steal away for the afternoon in a motorboat for a cruise down the river? Or perhaps you prefer an old-fashioned rowboat ride. Maybe a paddleboat is your idea of fun. On the other hand, you might live for the weekends when you can take an all-day sailing trip across the lake and back.
Whatever your taste in water transportation, managing a boat can be exhilarating and challenging. But if youre the one in charge of steering, renting, or navigating the vessel, it is important to follow a few basic safety rules and be sure that your passengers do likewise.
Imagine having your boat, and not just an ordinary boat. Imagine building with your own hand and being the proud owner of a Grand Banks Dory.
The American Heritage Dictionary of the English Language defines dory as:
Dory n. pl. Dories
A small, narrow, flatbottom fishing boat with high sides and a sharp prow.
The common Dory size ranges from 10 feet to 14 feet in length and can hold from 3 to 5 persons. A Grand Banks Dory is usually 16 feet in length. The traditional Grand Banks Dory is also notable as a seaworthy vessel. The fishermen
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