Cost of a annual person watercraft insurance plan with vary depending on a few factors, such as year, make and model of the personal watercraft, as well as horsepower, engine type and maximum operating speed. However on average cost can rage from $150.00 to 500.00 or so a year. Get your free quote today and start comparing insurance plan options.

You should contact the company that handles your car and home insurance. Most times, companies offer discounts to those who use them for all your insurance needs. This will help protect everyone involved and can simplify things from a viewpoint and billing. The end result will be more money saved and less complication when time for payments to be made.

The reality is that old dock and mooring lines deteriorate after months and months of exposure to salt, dirt, UV rays, and general wear and tear. Be proactive and invest in new, strong lines that will be better able to withstand chafing and high winds during a hurricane or severe storm.

Whatever you do, don’t wait! Have a hurricane plan and be prepared to take action. It’s much easier to execute an existing plan during an emergency situation than it is to come up with a last minute plan.

When was the last time you reviewed your boat or yacht insurance coverage? Now is the time to ensure that you have the right coverage for your marine investment in the event of a hurricane or other natural disaster. Be aware that when a storm is announced, many insurance carriers implement temporary bans so last-minute changes to your policy aren’t an option.

Most agencies offer insurance discounts to customers who complete a safety course and navigation. This will make you a better sailor and decrease the chances that you will make a fatal error or trial will end costing the insurance company a lot of money. This work also to protect those at various levels. Not only you and the people to be in better hands with someone who has adequate training, you will also have part of the mind that will not make a wrong opinion at a crucial moment that could cause the loss of their boats. Insurance companies are not the only ones with something to lose.

If bringing your boat or yacht ashore is simply not an option, choose your marina with care. A marina that is well sheltered is always preferable because any marina vulnerable to surge offers little protection for boats no matter how well they are secured. Boatyard insurance analysis shows that many vessels come through hurricanes with minimal damage when kept at floating docks with tall pilings. This is likely because the floating docks permit the vessels to rise and fall with the surge whereas fixed docks or floating docks with short pilings stretch and stress the lines. It is advisable to add extra lines if the weather forecast is particularly dire

Boat value is another factor in insurance premium cost. If the boat you choose has an extreme need to ensure that you then can have a high insurance quote. To protect against this, make an informed decision when buying a boat. Checking various vendors to make sure you are getting the best deal possible. This, in effect, make your insurance rate drop considerably as the company will have less to cover in the event of an accident or theft.

Whether your yacht is ashore or your boat is in the water, reducing windage is a very important preventative measure. Strip off anything that could catch the wind and up the odds that your boat will survive the storm.

Like a car, a sport boat is the most expensive to the insure. For basic purposes have to do everything possible to choose a boat that is as safe as possible. This means that extreme power, giant engines, and lightweight design speed increase should be avoided. A pleasure boat is going to make an insurance company far less nervous than the speed of a real devil to cut water and weak in the wake elderly. There are many beautiful boats on the market that have all the amenities and nominal speed capabilities that will not make your agent cringe.

Just because you have taken your yacht or boat out of the water dose not mean it’s safe from high winds. Even on shore boats can be blown over, so it is important to make sure that they are properly anchored to something secure. Strap them down with strong tethers that do not have significant stretch.

There are several ways to get a better rate on your boat insurance. Some of them are beyond our control, but others are a matter of personal choice. With a little patience and research can improve the rate at a good level and save a good amount of money in the long term.

Basic improvements to their type of boat insurance is not all that difficult to achieve. The main thing you need is patience. All good things to those who wait as the old saying. If waiting is not a problem then there is no reason why it should not be able to obtain a decent boat insurance.

Stats show that boats kept in the water during a hurricane or significant storm do not fare as well as those taken ashore, and out of reach of any potential surge. Many boat insurance claims are filed after boats left on lifts or hoists are damaged during severe weather conditions. It is safer to have your vessel hauled to high ground; there are even dry-dock facilities designed to withstand hurricane force winds as high as 140 miles per hour.

No person shall operate any vessel or manipulate any water skis, aquaplane, or similar device in a reckless or negligent manner so as to endanger the life, limb or property of any person. Examples of such operation include, but are not limited to:

1. Riding on the bow, gunwale, or transom of a vessel under way, propelled by machinery, when such position is not protected by railing or other reasonable deterrent to falling overboard or riding in a position or manner which is obviously dangerous. These provisions shall not apply to a vessel’s crew in the act of anchoring, mooring or making fast to a dock or another vessel, or in the necessary management of a sail.

2. Maneuvering towed skiers, or devices, so as to pass the towline over another vessel or its skier.

3. Navigating a vessel, skis, or other devices between a towing vessel and its tow or tows.

4. Operating under the influence of intoxicants or narcotics. Other actions, such as speeding in confined or restricted areas, “buzzing” or “wetting down” others, or skiing at prohibited times or in restricted areas can also be construed to be reckless or negligent operation.

“Hit and run” – Any person involved in a boating accident that results in injury, death or disappearance, who is convicted of leaving the scene without 1) furnishing appropriate information to others involved or to any peace officer at the scene, and/or 2) rendering any reasonable assistance to any injured person, is liable for a fine of up to $10,000 or imprisonment for up to four years, or both.

A person responsible for an accident that results in serious injury or death can be subject to a conviction of manslaughter and can be sentenced to an additional five years in the state prison for fleeing the scene.

Buying sporting equipment coverage will help protect such things like your water skiing, diving, hunting and fishing gear.  If you have such items when boating you may want to make sure you have this added coverage.

Alcohol is a factor in 24 percent of all fatal motorboat accidents in California. State law specifies that:

1. No person shall operate any vessel, water skis or similar device while under the influence of intoxicating liquor or drugs. No person who is addicted to any drug shall operate any vessel, water skis or similar device.

2. No person 21 years of age or older shall operate any vessel, water skis or similar device who has .08% or more, by weight, of alcohol in their blood. A level of at least .05% but less than .08% may be used with other evidence in determining whether the person was under the influence of alcohol. A person under 21 years of age or older who has been arrested for operating a mechanically propelled vessel “under the influence” may be requested to submit to a chemical test to determine blood-alcohol content. Refusal may result in increased penalties upon conviction. A person convicted of operation of vessel while intoxicated could receive up to a $1,000 fine and six months in jail.

3. No person under 21 years of age may operate a vessel, water skis or similar device who has .01% or more, by weight, of alcohol in their blood. Penalties may include a fine of up to $250, and participation in an alcohol education or community service program.