It won’t be long now before you’re back out on the water.  Are you counting down the days?  After yesterday's freak April snowstorm that left a lovely sheet of ice on my windshield in Long Island, I am definitely looking forward to the warmer weather even more so now.


While everyone loves the open air and the sound of the water. Before you decide to hit the Long Island Sound or the Hudson River on the boat, there are a few things you need to take care of first.


Are you properly covered?


Since boat insurance isn’t required in New York, a lot of people skip it in order to save money.  But that’s a very risky idea! 


First, without coverage, you’re risking all the money you spent on your boat.  Would you drive your expensive car without insurance?  Probably not!  Don't sink money into something and then not cover it. (pun intended!)


Second, boats are a liability exposure.  That means that they open you up to lawsuits.  If you were to have an accident and damage someone’s boat or personal property or worse, injure them, then you could be held responsible.


With the proper insurance coverage, this wouldn’t be a problem.  You’d be protected!  In fact, we typically recommend that clients with a high level of assets purchase extra liability coverage if they own a boat. 


All in all, purchasing boat owners insurance is a simple way to give yourself a lot of peace of mind at a fairly inexpensive cost.  Who wants to worry about insurance when they’re out on the water having fun?  Don't worry - call us today at 888-565-2212 or visit us online for a free quote on your boat or watercraft. That includes jet skis!


We are your premier agent offering insurance for boats, jet skis, motorcycles, and more for New York, New Windsor, and Long Island. We insure the risk so you can have all the fun! Call us today!

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