Tag Archives: Spring Boat Checklist

Boating Insurance 101


With spring in full swing, it’s time to get the boat uncovered and ready for the lake. There is nothing more exhilarating than taking on the open water with the wind blowing and rays beaming. One thing that is not so appealing is Boat Insurance. What is it? and how do you begin to know what the right coverage is? When it comes to insurance coverage for your boat, you can imagine that an everyday runaround boat is similar to getting auto insurance versus a large yacht, which would resemble a small home insurance policy.

Here are a few tips on finding the right coverage and getting your boat ready for the water!

Why do I need boat insurance?

Unfortunately, your home insurance does not cover your boat. There is a slight possibility that your home coverage could stretch to a very small boat- most likely without an engine but not likely. Just like your vehicle is not covered by your home policy, neither are watersport vehicles. Why may you ask? A boat is a portable vehicle- not stationary. Your home policy is covering things that don’t necessarily move. If you are new boat owner there is a possibility you could save on your boat coverage by bundling with your home insurance provider.

What is boat insurance?

Boat insurance can be looked at like a combination of auto and home insurance. There a few main things you need coverage for, then you have the extras. Similar to a home policy, you will be covered if there is an accident or someone gets injured while riding in or operating your boat. Protection for the boat owner is there, similar to a homeowner. Like auto insurance, boat coverage typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something. You can also add comprehensive coverage that offers theft protection, damage against fire or flood, personal property coverage for any equipment on the boat, uninsured boaters, damage to the trailer, and roadside assistance if you need to be towed. Consider these additional coverages if your boat is stored off-site or if you have a large quantity of gear or equipment. Check out a list of coverage here.

When is my boat covered?

So, your boat is covered regardless if you are in the water or not. The amount of coverage is what comes into play. If you are pulling the boat down the highway and are in an accident or back end to someone your auto policy takes over- but only the limits on that policy. There is a chance your homeowner’s policy will cover some accidents if the boat is parked on your property. If you plan to travel far out into the ocean there can be limitations on the distance you are covered. Check with your insurance agent if off-shore boating is going to be your main source of travel. In the meantime, a one-time policy can be purchased if you need to move your boat or if there is an indication of a natural disaster coming that will require the boat to move.

Know that you have a couple of boating insurance questions answered, download your spring boating checklist from DISOVERBOATING.COM and get ready to have a safe and fun boating season! 7914_DB14_Spring_Startup_Checklist

Give us a call at 1-800-THANKSAL or visit us online at www.thanksal.com to get a free quote and see how you can save while bundling your insurance.






Spring Boat Checklist

Are you ready to have some fun in the sun? We’re midway through spring and summer is just around the corner, which means it’s about that time to pull out the boat for some lake action! Whether you enjoy fishing, tubing, or hanging out on the vessel with your friends, there are plenty of activities to look forward to on the water. However, not having a fully operating boat will make you want to jump overboard rather than enjoy the day on the waves. Thankfully, we’re here to help provide the necessary tips to help you prepare for boating season. Check out these handy boat maintenance tips for spring!

To make sure your boat doesn’t break down on the water, you’ll need to carry out a full inspection of your vessel. The last thing you want is to be stranded out in the middle of the lake due to a poor diagnosis!


Boating Safety Checklist


  1. First, take a look at your fuel system to make sure that there isn’t any leaks or damage to the hoses or main tank. If you see any evidence of deterioration to these components, then you need to look into repairing or replacing them. Depending on where you stored your boat during the winter months, there’s a good chance that it was exposed to freezing temperatures and harsh conditions. This can have a disastrous effect on your belts, cables, and other hoses causing them to crack or loosen. One main sign to look for when detecting worn impaired belts is a black residue near the pulley. If this is evident, then you’ll need to replace the belt and make sure it’s fastened tightly.
  2. The functionality of your boat’s electric system and propeller are essential to ensuring smooth sailing. Do a quick run through of your battery and wire connections to verify that there are no signs of corrosion. It would be wise to test your battery before hitting the water to confirm it can successfully hold a charge.
  3. Inspect the boat’s propeller, carefully inspect it for any cracks, dings, or distortion. A busted propeller can result in a very bumpy ride and can even do damage to your engine and transmission.
  4. Inspect the boat’s hull to look for any damage or abnormalities. Even the slightest fracture can worsen with use, so take every measure you can to prevent the sinking of your ship.
  5. Replenish all of your boat’s fluid levels, including coolants, power steering, drive lubricants, and engine oil. If you did not winterize your boat beforehand, then this is a critical step in order to ensure your boat is functioning at full speed. It also wouldn’t hurt to give your boat’s hull, deck, and topside a good thorough wash so that your vessel is ready to shine on the water!
  6. Put together a safety kit. Boating accidents are common and you want to make sure that you’re prepared for anything, especially if you’re on the water with multiple people. We also urge you to store plenty of lifejackets on board and enforce riders to have them on at all times!

Remember, not only does the boat need to be prepared for its return on the water, so does the driver. If you haven’t boated in a while, it would be wise to ease back into things instead of hitting the ground running. Operating a boat is a lot different than driving a car and it takes enormous care and concentration, so you need to get back into a groove to make sure you’re not a threat to yourself or others on the water.

Before getting your boat ready to ride, now is a great time to make sure that all of your boat insurance needs are up-to-date. Give us a call at 1-800-Thanks-Al to have an agent review your policy to confirm that your boat insurance has the right amount of coverage for your family and your needs. We can also ensure that you are getting the best rate for your policy and answer any questions you might have. You might even qualify for additional discounts, especially if you have your home insured through us!