These are just a few of the questions we’ll cover in this blog post as we dig deeper into the topic to help you better protect yourself and your watercraft.

Think of boat insurance as you would auto insurance. The primary purpose is to protect yourself financially if your boat is stolen or damage/injury is caused on and off the water. 

Although most states do not require boat insurance (Arkansas and Utah are the only two states with boat insurance laws), there are a handful of states that do require a person to have an actual boating license. They include:

• Alabama
• Delaware
• Georgia
• Mississippi

Though it might be legal to forego boat insurance in your state, it may be required by a bank if you lease or finance the boat or a marina if you rent a dock or boat slip. 

Whether it’s required or not, boat insurance not only gives you an added layer of protection if an accident involving your boat were to happen, but it also protects your wallet as expenses caused by an accident wouldn’t be entirely out-of-pocket. 

Note: Boat insurance is NOT covered by homeowners insurance. 

At RTI Insurance Services, we offer a number of boat insurance coverage options including:

• Boat liability
• Medical payments
• On-water towing
• Property damage
• Uninsured/underinsured watercraft
• Consequential damage coverage
• Salvage coverage
• Trailer

Our team of insurance experts focus on three categories of watercraft. They include:

• Boats - vessels between 16 feet and 26 feet long
• Yachts - vessels over 26 feet
• Personal watercraft - under 16 feet (Jet Skis, WaveRunners, etc.)

No matter if you’re dry docked or enjoying a ride out on the water, make sure you’re covered by one of our comprehensive Boat Insurance Plans.

Why?

Because accidents happen. And, if you’re injured, your boat sinks or capsizes, or is even damaged by a storm, you can rest assured your policy will protect you. 

If you’re interested in learning more about how boat insurance coverage can protect your investment and save you money, contact us today.