Staten Island boating: Many factors determine insurance SILive.com
Should your boat be insured and what type of insurance is needed? This is a personal decision. Do you want to cover the boat’s value or just liability coverage if someone is injured or you damage someone else’s boat?
If you decide you need boat insurance, here are some questions to ask the insurance representative:
Will personal items (fishing gear, electronics, water skiing equipment, etc.) be covered?
Will the boat be covered for actual cash value (depreciation) or agreed value?
Is there a lay-up period over the winter?
Are there restrictions on what areas I can travel to?
Is there a discount for attending a Safe Boating Class?
You will have to specify how you will use the boat (pleasure, fishing, business).
Personal Watercraft (PWC) should also be considered when you are thinking of insurance.
When shopping for insurance consider your deductable, area you boat in and agreed value as ways
