With summer in full swing, many people are excited to take their boats out and spend time on the water in Ocean City, MD, and other popular recreational locations in Delaware and Maryland. However, it’s important to remember that owning a boat also comes with responsibilities, such as ensuring your safety and protecting your investment. One way to do this is by having boat insurance.
Boat insurance offers financial protection in case of accidents or damage to your boat. It can also cover liability for injuries or damages caused by your boat to others. Just like car insurance, there are different types of coverage options available for boat owners depending on their needs and budget.
Do you have a boat or are you thinking about purchasing one? Here are six tips for boat owners to follow.
Maintenance
Just like cars and other land vehicles, boats need proper upkeep and maintenance too. To save money on fuel, check for damage or debris by removing your boat’s propellers periodically. Items can become wedged in the propellers and slow you down while using more gas. You’ll also need to clean your boat after each use. Algae and aquatic critters can dry on the sides and damage the paint. You may want to think about investing in a pressure washer, or calling a professional power washing service if you don’t have time to do the cleaning yourself.
Don’t Drink and Boat
While drinking and boating is a common summertime activity, those doing so should be aware of laws like Delaware’s Boating Under The Influence law. Just like driving a car, the person operating the boat is expected to have a BAC of .08 or less. Under this statute, first-time offenders can pay up to $1,000 in fines or face up to six months in jail.
Always Wear a Life Jacket
Many states have their own regulations on the number of life jackets required on board. Generally, federal law requires one jacket for each passenger, and children under 13 must wear them at all times while the boat is in motion. Make sure you have enough life jackets onboard and that they are easily accessible in case of an emergency.
Do Your Paperwork
Boat owners are required to register their vessels with the state. You’ll need to get a registration card and decal, similar to how you would for an automobile. Additionally, you may be required to have a boater education card if you were born after a certain date, depending on your state’s laws. Keep all of these documents onboard in a safe and easily accessible place.
Place All Valuables in a Safe Place
After ensuring your boat maintenance, safety features, and paperwork are in order, it’s crucial to properly store your valuables. Items like your cell phone, keys, wallet, and other electronics risk ending up in the water or lost at sea. While a Ziploc bag can provide basic protection, consider using a reusable waterproof container to help preserve the environment. Additionally, if you’re docking your boat at a marina, be aware of potential theft. Investing in a safe or a locked container can safeguard your belongings from being stolen.
Make Sure You Have the Right Boat Insurance
A boat is a valuable asset that requires protection against damage, theft, and various other risks. If your boat is financed, you will need to carry full coverage, which encompasses both comprehensive and collision insurance. Additionally, liability insurance is a legal requirement in most states. At Commercial Insurance Associates, our agents are here to help you navigate your boat insurance options and secure the best coverage at an optimal price.
Reach out to learn how we can help you get the right coverage so you can focus on enjoying the boat life!