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Don’t even think about buying a boat, jet-ski or anything else that floats on top of the water before you get all the information you can about common boat insurance coverages.

We’re in mid-summer, the temperatures are soaring and nothing feels as inviting as being out on the open water right now. This is a good time to take look at your boat insurance needs. Most states require that owners carry boat liability insurance. This is just the bare minimum and doesn’t cover the multitude of other problems that can arise on the water. Boat insurance coverages vary by boat insurance company. Some boat insurance coverages are included in the policy, and some can be added for an additional premium. It’s much like looking for cheap car insurance - you need to get a few different auto insurance quotes to start.

You will remember how tricky it was finding cheap car insurance. You start off with auto insurance quotes and move on from there, checking one cheap car insurance policy against the other and calling for more auto insurance quotes as you go along.

These are the boat liability insurance coverages that you need to consider:

Boat Liability Insurance
Liability and bodily injury coverage provides boat owners with liability insurance coverage when there is damage or injury to something or someone else. Medical payments provide boat insurance coverage for bills that arise as the result of a covered accident on a boat. Stand-alone boat liability insurance coverage is also available.

Comprehensive and Collision Boat Insurance Policies
Available from most boat insurance companies. Theft coverage is recommended. Covered losses on boat insurance policies include fire, vandalism, malicious mischief and most perils.

Additional Boat Insurance Policy Coverages
Add replacement cost for personal effects and/or a watercraft to the boat insurance policy.

Extra Boat Insurance Coverages
Uninsured boater’s insurance coverage pays for damages incurred by an uninsured boater in the event of a covered loss. Roadside Assistance provides boat owners with towing to the nearest qualified repair facility when a trailer or tow vehicle is disabled. Trailer insurance also covers the boat’s trailer.

Watercraft Insurance Costs and Discounts
The watercraft insurance policy can easily cost $500-$800 annually. Cut policy costs by taking boating safety courses, or with protective devices like a ship-to-shore radio or burglar alarm. Watercraft insurance policy discounts available vary by boat insurance company. It costs even less for personal watercraft insurance.