When you are considering boat insurance you should be sure that you understand all aspects of the insurance.  You want to make sure that boat insurance is going to be a good investment for you to ensure that you are not wasting your money.

You should make sure that you understand the cost of…

•    Liability
•    Medical payments
•    Physical damage
•    Emergency Assistance

Your liability costs will depend on your plan.  Make sure that you are taking the time that you need to understand how much you may be liable for if your boat is damaged or if another boat is damaged you will use the liability coverage to pay for the repairs or even the replacement of the property.

The medical payments are going to cover any medical costs that are associated with a boating accident.  This insurance will cover the passengers, drivers and even water skiers/tubers.

Physical damage will cover any of the costs for repairing or replacing any part of your boat, attached equipment and even the trailer that you tow the boat with. Finally, if you are ever in trouble you will find that emergency assistance will come to help you tow the boat, deliver gas or even give you oil.  When you’re on the water the emergency assistance will come help you get your boat started again.

Be wise about your decision.  Boating insurance may ensure that you are safe and able to enjoy the time that you have boating.