Boat Insurance – What You Need to Know

Finally Summer!  Over the past few years with Covid many have opted for stay-cations and buying a boat instead of flying to a destination.  With the increase in the number of boaters, there is even more reason for boat insurance.  We are surprised to find out so many people have boats but no insurance.  Just like cars, boats can get in accidents.  There can be property damage or even liability issues arising out of  a boat accident.

What does boat insurance cover?

  • Property damage to your vessel (excluding poor maintenance)
  • Liability lawsuits arising out of use or ownership of your boat
  • Medical payments incurred as a result of the boat (other than family members)

What is the boat insurance premium based on?

  • The deductible you choose
  • The amount of liability coverage you have
  • The size, age and condition of your boat
  • Your boating accident history as the owner

We offer a few different companies for boat insurance; including, Travelers, Foremost and Navis.  We will place your boat with a company that has the best coverage and lowest price.  Give us a call for more information!

“100 Deadliest Days” for Teen Drivers

AAA has given the name “100 Deadliest Days” for teen drivers to the period of time starting Memorial Day Weekend and ending Labor Day Weekend.  For parents of teen drivers this is very concerning.  It is reported that teens get into 16% more deadly car crashes, that is 10 deaths a day, during these 100 days of summer.  There are many factors that contribute to this statistic.  In the summer teens are driving a lot more because they are not just driving to school anymore, they are venturing to the beach, to parks, to places they have never driven.  And they are doing it with their friends in the car.  The Foundations for Traffic Safety stated that 60% of teen crashes resulted from distracted driving.  The 2 major distractions for teens are:

teen driver

  • passengers in the car
  • cell phones

If a teen is driving with friends they are 44% more likely to get into a fatal car crash.  Many are surprised that texting while driving is not the number one cause of deadly crashes.  But passengers are a constant distractions, while texting distracts for a few seconds.  Parents should stress to their teens about the dangers of both driving with friends and texting. Distractions in any form take the driver’s eyes away from their sole task of safely driving a car.  AAA recommends to teen drivers a complete ban on cell phones while driving, we absolutely agree!  Let’s all try to make these 100 Days of Summer a fun and safe time.  Drive safely!