Boat Insurance Quote Home Advertise Contact Us Instant Quote Legal Use Privacy Policy
  • Boat Insurance
  • Boat Financing
  • Boat Resources
  • Boat Directory

If you own a sailboat and plan on purchasing marine insurance, the chances are you're wondering what affects the premium. Boat Insurance Quote .net has provided all the necessary information to get you started with marine insurance including items that may not be covered.
Types of Coverage
Physical Damage
If your sailboat is damaged...
Liability coverage
Liability coverage will protect...
Sailboat Premium Factors
As with auto insurance, your Yacht quote can vary...
What If My Sailboat is Antique, Classic, or Wooden?
Antique and classic boats are boats that aren't ordinarily used as a pleasure boat...
What is not normally covered:
Items Excluded from Hull Coverage:
Additional Items Which May Not Be Covered:
Additional Information
Please contact Boat Insurance Quote .net for additional information on coverage's and plans...
 
Physical Damage:  

    Physical damage and liability are usually covered under boat insurance. Physical damage coverage will pay to repair or replace your boat if it were damaged or destroyed by fire, theft, lightning, vandalism or windstorm. The boat itself is covered, outboard motors, boats trailer, and personal property theft of items located on the boat.
   
To Top
Liability coverage:  

    Liability coverage will protect in the event in which you are the cause of damage to property or an injury to someone other than you or a family member. Liability coverage is usually purchased in increments of $100,000 up to $1 million Liability is very important and can cause just as much financial harm as physical damage.

    Compare Boat Insurance and Save!Free Boat Quote
    Great Marine Financing Rates!
Sailboat Premium Factors  

As with auto insurance, your sailboat quote can vary due to certain details:

Your experience on the water 
Previous insurance claims  
Location of where you will be using your boat  
Navigational equipment
Value, style, age of the boat  
Your driving record on the road will be considered

If you are an informed buyer, chances are you'll save. Don't be afraid to ask the insurance company questions about a specific policy. They can be confusing sometimes.

If you would like to be a good risk for the insurance company you may want to take a safe-boating course or a charter certification from a learn to sail program. A boat company likes a client who has taken courses such as these and has shown they are responsible. A well-experienced operator and well-equipped boat will affect the amount of the premium.

The condition of the boat is important to the premium also. If the boat is more than eight years old the boat will need to be surveyed to receive insurance. Sailboat insurance is basically like another piece of equipment on your boat. Meaning you shouldn't leave the dock or mooring without it!

Location also determines how much your premium will be. If your boat is in a secure location, away from hurricanes, tornado's, floods, and other natural disasters, the premium may be lower. If the area is known for vandalism or theft, it will also be a factor. The decision to dock your boat or have a mooring can affect the price of the premium too. It is generally safer to keep your boat on a dock; the marina will help protect against thieves and vandalism.
   
To Top
What If My Sailboat is Antique, Classic, or Wooden?  

Antique and classic boats are boats that aren't ordinarily used as a pleasure boat. Normally standard boat and yacht insurers aren't interested in insuring a wooden-hull boat, custom built boat, or any other boat that is extraordinary. An antique or classic boat is a boat that was built over 25 years ago. Most of the wooden boats would fall under this category. In order to be covered for all risk, the boat must be safe to operate in the water. These policies usually are written for an agreed value on the hull, and include liability, uninsured boater, medical payments, and trailer coverage. Please contact Boat Insurance Quote .net so they can provide you with additional information on coverage of antique and wooden boats.
   
To Top
What is not normally covered:  

    Hydrocycles, jet skis, kit boats, ski boats, and other personal watercraft (PWC)  High-performance boats with a design speed which is in excess of 50 Mph  Outboard motors which are not listed in your policy may not be covered  

    Fishing and Scuba gear  
    Personal items- clothing, jewelry, watches etc.  
    Cell phones  
    TV's  
    Ropes for wake boarding and water skiing  
    Food or beverages  
    Cameras  Video equipment  
    Wear and tear  
    Deterioration  Dents, scratches  
    Manufacturing defects  
    Electrolysis

    Compare Boat Insurance and Save!Free Boat Quote
    Great Marine Financing Rates!
Items Excluded from Hull Coverage  

    Marring, denting
    Ice and freezing
    Manufacturers defects
    Insects, mold Marine life, and animals
    Blistering, osmosis
To Top
   
 
Additional Items Which May Not Be Covered  

    Racing Water sport liability Theft without visible signs of breaking and entering Mysterious disappearance of gear and items on the boat
   
To Top
Additional Information  

Please contact Boat Insurance Quote .net for additional information on coverage's and plans.
Ask if you are covered for:

    Bodily injury to yourself or another person Physical damage to your boat, another boat, trailer, personal belongings Theft of your boat, motor, or equipment Medical expenses Towing services.

    Compare Boat Insurance and Save!Free Boat Quote
    Great Marine Financing Rates!
   

Your boat is designed to give you years of enjoyment; ensure your fun by choosing the right protection.
Thank you for using boat insurance and happy boating.



Design by Zeus - SEO Experts
Home | Advertise | Contact Us | Instant Quote | Legal Use | Privacy Policy
Copyright 2005-11 Boat Insurance Quote