Boat insurance

[redaddiction]

Originally Posted by keakar

my view is it all depends on the boat

if its big enough to damage other boats more then you can pay for out of pocket then get insurance

if its expensive enough that if you damage it you cant fix it out of pocket then get insurance

if kids are going to use it without you being around get insurance

if anything happens on the road your truck insurance also covers any trailer you are towing (and what is on it) so for accidents on the road you don't have to have it but be sure you have good coverage on your truck, if its just basic liability then go back to how much damage can you pay for out of pocket if you wreck your own boat

all that said if you can afford throwing away the extra $30 a month then get the insurance just for peace of mind in having it. also not all boat insurance is the same so make sure it covers everything including some idiot running aground with it, some policies exclude user negligence that damages your own boat

How about this.....It's 30 measly bucks a month......just get the darn insurance for any boat. A person could cut back on all sorts of useless things to get that 30 bucks.