Two Risks to Insure a Boat Against
Additionally, you can get coverage for the personal property on your boat, such as equipment, clothing and fishing gear.
If you do buy boat insurance, check on how much liability insurance you need, he advises. For instance, some marinas require boaters to have $500,000 of liability insurance. If you have a personal umbrella policy, you’ll probably need $500,000 of liability coverage, he adds.
While boat insurance protects you financially, it’s wise to take other steps to protect you and your family.
“Anyone who spends time on boats should take a boating safety course,” McCarthy says.
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