Freshwater Fishing

Most anglers don’t realize just how important having Boat Insuranceis, in fact you would be surprised at just how many boat owners are unaware that such coverage exists. Its a fact that the majority of fishing boat owners buy their boats second hand and privately, which creates problems because they never become filled in on the finner points of owning a fishing boat, like obtaining Boat Insurance.

Like buying a car, it matters not whether you buy a 89 civic or an 07 Hummer, insurance is a must, boats are no different! It really doesnt matter whether you bought a beat up old Jon boat or brand new bass boat, you need boat insurance!

Most states now require that a boat owner carries a least liability insurance on their boat. In these states boating without the very minimum is breaking the law and can end up getting you in allot of trouble. Fines, court costs and even boat confiscation! I dont know about you, but that would really kill an otherwise good day of fishing for me.

Liability insurance will cover you in the event that you cause damage to another’s property with you boat and is usually very inexpensive. Many insurance companies will offer further savings if you have completed a recognized boating safety course.

Many insurance companies offer an optional coverage that protects your interests in the event that your boat goes under. It is required by federal law that any boat which sinks or becomes submerged must be removed at it’s owners expense. The optional coverage is usually referred to as “boat wreckage removal coverage”. No angler plans on having his or her boat sink though it happens and in the even that it does you will be glad you have this coverage.

Most full boat insurance plans cover physical damage to the hull, sails, motor, accessories, and most other equipment that is normally found on or in your fishing boat. Vandalism, malicious mischief, and even damage that results from defects of workmanship are also covered by most insurers.

Many insurers also offer these optional coverages protection against damage caused by an uninsured boater, wreckage removal, and coverage for your fishing gear.

If you dont have your fishing boat covered you should start by getting a quote from an insurance company that specializes in boat insurance.

Remember in most states its the law, no matter what or how expensive your fishing boat is!