What to Look For in a Boat Insurance Policy
Boating enthusiasts know how important it is to have coverages beyond the standards offered by many companies, or by a rider on a homeowner's policy. In fact, many people think their boat is completely covered under their homeowner's policy until they have a loss.

Customers who own power boats, fishing boats, pontoon boats, small sailboats, older and lower-valued boats and other vessels 26 feet and less in length should look for specialized coverages that aren't always available under other policies out there. These include things like:

• Wreck Removal
• Pollution Coverage
• High Liability limits

Optional coverages should also give boaters that little extra - the custom coverages that fit their lifestyle, whether they enjoy early-morning fishing, afternoon wave-riding or evening cruises. Some of the options should include:

• Towing and Assistance - for the boat and trailer
• Replacement Cost for personal property
• Replacement Cost Coverage on trailer

Don't forget discounts! What might look like the most cost-effective policy at first, might really not be after factoring in the discounts a boater could be eligible for with a specialized policy, including:

• Multi-Unit
• Renewal
• Prior Insurance
• Affinity Groups
• Boating Safety Course
• Actual Cash Value
• Safety Equipment
• Multi-Policy