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  • Writer's pictureCharlotte Burr

What is Boat Insurance, and Do I Need It?



Boating is one of the most fun activities for the entire family. But sometimes people forget about how dangerous it can be on the water. Do you need boat insurance? How can I make sure that everyone is protected on my boat? These are questions that we will be answering in todays' blog!


What is Boat Insurance?


Boat insurance is very very similar to your normal car insurance policy. It runs for about the same price as well. It protects your boat and provides financial protection in the event of an accident. If someone is injured and you are at fault, your insurance will help cover the medical expenses. It can also help cover your boat if it is stolen or damaged. Whether you are causing damage or injuries, your insurance will help you cover it. If you were to not invest in boat insurance and cause damage to someone's boat, or even worse, injure someone. You will be on the hook for all of the expenses that come with it. The cost of an accident will always outweigh the costs that come with an investment into insurance, so we always recommend getting boat insurance.


How to Make Sure Everyone is Safe on my Boat?


Boats are an incredible time for the entire family, but just like almost everything in life, it can be very dangerous. Always make sure that any children 13 years or younger are wearing a life vest at all times. If anyone on the boat cannot swim or has a hard time swimming, they must be wearing a life vest. It should be a given, however people tend to treat driving a boat differently than a car, never drink and drive. Especially on busy days, like 4th of July, we see a lot of people going out on the lake to drink, which there is nothing wrong with. However, just like a car, you can get a DUI behind the wheel of a boat. Let alone the pain that you can cause by causing an accident because you had too much to drink. If you are the driver you must be safe at all times, your life is not the only one in your hands.


Going out on the boat is tied to some of our best memories. They can be incredibly fun, whether you are wakeboarding or tubing. However, that doesn't mean that it can't be dangerous. Protect yourself and your loved ones before it is too late. Give AZ Insurance Team a call today at

(480) 535 5709 for anymore questions regarding your insurance!


Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…

Disclaimer: Coverage will vary on state, insurance company, and type of policy.

<a href="https://www.freepik.com/free-photo/aerial-shot-motorboat-moving-forward-sea_7630350.htm#fromView=search&page=1&position=5&uuid=0b03281b-feec-4224-84fa-ef496255d94a">Image by wirestock on Freepik</a>

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