I have my insurance at Boat/US. The prices are very competitive, it
includes protection from liability from oil spills and tow insurance.

On the other hand, I have my Car and Home insurance with Geico and love
them.


"JimH" wrote in message
...
Your Boat Coverage Explained

Out on your boat, you leave your cares behind. You don't want to worry
about what would happen if your boat was involved in an accident. Boat
insurance protects you against accidents, vandalism, and insures you
against liability. That means smooth sailing!

What does boat insurance cover? Insurance needs differ depending on the
type of boat or watercraft you own. Your policy will explain in detail
what is covered and what is specifically excluded. But these coverages
generally apply:

Protection From Physical Damage, Perils, and Liability

Most policies cover physical damage to the hull, sails, machinery,
furniture, and most other equipment that is normally used on board. Most
perils are covered including vandalism, malicious mischief, and even
damage that results from latent defects of workmanship.

You are also insured against liability losses. You are covered for damage
to another boat or dock, and for bodily injury or death to another person
as a result of your negligent operation or ownership of the boat.

In the event that you, your guests or family are injured while on board,
the policy provides payment for incidental medical expenses. The coverage
also applies if someone is injured boarding or getting off your boat.

Under most policies, the boat trailer is covered against physical loss or
damage from any external cause.

The policy coverage provides compensation liability for injury to persons
employed by you who may work on your boat, but are not crew members.
Mechanics, carpenters, painters, and cleaners are included in this
category. To be covered under this policy, they cannot be employed by your
boatyard, and the federal Longshore and Harbor Workers' Compensation Act
must apply to them.

You may purchase optional coverages as well, such as protection against
damage caused by an uninsured boater, coverage for your personal property,
and coverage for your fishing equipment.


Please Note:
These are general policy descriptions to help you understand the different
types of coverages. They do not refer to any specific contract of
insurance, and they do not modify any definitions expressly stated in any
contracts of insurance. We encourage you to speak to your insurance
representative and to read your policy contract to fully understand your
coverages.




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