If you’ve decided to purchase a boat, there are a few things you should know before making your decision.
First, you need to decide what kind of boat you want. Are you looking for a small or large boat? Next, ask yourself how you will use the boat. Is this for personal or commercial use? These questions play a role in the type of boat you buy, and the amount of boat insurance coverage you get.
Once you have purchased your boat, safety is the first priority. Safe practices will help you improve your insurability because you face lower risks. Here’s what you need to know:
Read your manual
Just like a car, you should be very familiar with the manual and operating instructions on the boat. Most boats come with some form of operational directions. The manual will tell you where your gauges and instruments are, how to use them, and other important information. This is the first step in getting to know your boat.
Know your equipment
You don’t want to be on the water not knowing how to fully operate your instruments. Boat safety is a must. You should be well-versed in using the radio, how to contact the Coast Guard, and how to navigate the boat in and out of rough waters.
Furthermore, always have detailed life-saving training. Life jackets and life rafts are not optional, they are mandatory.
Be familiar with your surroundings
One of the most important things you can do is be familiar with your surroundings when you are on the water. It is easy to lose your way. Knowing how to determine where you are and using your compass can be invaluable in the time of need.
There are many other things to learn when you buy a boat. These basics, besides having adequate boat insurance will help you become a great sailor.
Furthermore, most boaters take operational safety courses. In fact, many states require boaters to carry licenses to prove that they can capably operate. Taking operational safety and licensing classes helps boaters gain a level of expertise. Doing so can also help you decrease your risks in the eyes of your insurance. It may even qualify you for lower rates.
We've got you covered. Mosley Insurance can help you get boat insurance coverage that meets your needs. Your policy will be comprehensive but affordable. Call us at (405) 224-1000 for more information.