Boat insurance is good at covering unavoidable damages. But it’s also good at covering yearly costs. That said, your rates will blow up if you’re not properly maintaining your vessel.
Sometimes, it’s better to avoid the hassle. You can keep enjoying your boat, but you’d better hold down your annual costs with these five upkeep tips.
Tip One: Protect it During Travel
Your boat is usually protected by insurance when it’s out of the water. However, it isn’t usually protected by its own policy when being transported. When transporting your boat, its protection generally falls into the auto insurance realm.
For this reason, you’ll need to protect it with tarps, straps and safe travel methods. Don’t let your precious vessel fall into auto coverage fulfillment gap. Your auto policy might be golden, but most fail in giving boats the financial coverage they probably need.
Tip Two: Get Wireless Auto Tethers
As part of your yearly upkeep, invest in wireless auto tethers. They serve as engine kill switches if passengers fall overboard. While not related to maintenance, they can reduce your annual boat insurance rates.
Tip Three: Get Oil Changes Frequently
If your boat has an engine, it’ll need oil changes. Aside from mechanical repairs, oil changes greatly impact a watercraft’s engine life. You should make sure your vessel is ready for lift-off, ready for long trips and ready for long engine use. Generally, the oil should be changed annually.
Tip Four: Talk About Seasonal Changes
If you’re transitioning to a lake which is lower during drought conditions, or if you’re taking a springtime trip, you should discuss seasonal changes before going out. Many bodies of water carry deadheads, logs and debris. But, they don’t carry them year-round.
If you know anyone who’s been on the water recently, ask them what people have been running into. It’s a small preparation tip, but it can save you money if you have damages.
Tip Five: Cover it Up
It’s incredibly important to cover your vessel when it’s not in use. Cover your boat’s deck and protect it from debris, rainfall and humidity. The amount of insurance money you can save could surprise you.
Overall, don’t neglect your boat’s yearly maintenance. Boat insurance is flexible, but it won’t cover for lackluster upkeep. Talk to your insurance provider and discuss your options. Find the coverage best suited to your boat’s needs.
For more information about Florida boat insurance, give Casey Insurance Group a call at (954) 474-3387 today!
Do you have boat maintenance tips? Leave a comment below.