Insider Tips from Licensed Yachting Insurance Agent Brian Rasmussen.
A common insurance mistake is paying too much for navigation coverage not needed. For instance, if you’re planning to stay local to the Florida east coast, there’s no reason to purchase a policy covering the entire east coat of the U.S.
Make sure your hurricane plan is up-to-date and accurate. Document as much information as possible.Mooring Location: Will your boat be afloat or hauled? Note where your boat will be docked in case of a storm, such as the name of the marina, or if you are hauling it and putting it in a cradle on land.
Local Contact: If you live more than a few hour drive of your boat, it’s wise to have someone local who can secure the boat in your absence. This person’s contact information should be updated.
Lines and Fenders: Describe the plan for securing your boat with lines. It’s a good idea to have extra storm lines for protection from wind and waves, as well as fenders to help prevent damage to the hull.
Securing Possessions: Loose items on the deck, such as fishing equipment, can cause damage to your boat and be a threat to other boats. If you’re storing your boat at a marina, check if they require other boaters to secure their vessels.
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