Boating is a great activity for friends and family, but it’s not without its potential risks. A reliable boat insurance policy helps mitigate these issues, but boat owners should still be aware of the following most common vessel issues so they can take the right steps to avoid them. 

4 Common Insurance Claims All Boaters Should Be Aware Of

1. Damage Caused By Weather

Bad weather is the bane of every boater. Not only can it ruin a day on the water, it can also wreak havoc on your vessel. Even a relatively minor storm can cause issues, so be sure to check the weather forecast repeatedly before leaving the dock.

2. Theft 

Your boat might be very attractive to quite a few nefarious individuals. This can lead to theft and vandalism, which unfortunately affect numerous boat owners. While there’s not a whole lot you can do to deter thieves, you can remove any valuable items from the boat and have locks installed inside the boat and on the trailer where it’s kept. 

3. Grounding

The deeper the keel of a boat, the more likely it is to run aground. The good news is that this problem can be avoided by using a depth sounder, which detects submerged objects and provides their location. Additionally, remaining alert to hazard markings and keeping on your charted path can also help you avoid this common boating issue. 

4. Injuries

As the boat owner, you must make the safety and well-being of all passengers a priority. Taking a boat safety course is recommended, as this will provide you with essential information on best practices, as well as what type of safety gear you should have with you at all times. In terms of insurance coverage, medical payment insurance covers injuries occurring to you or your passengers, while liability insurance is for any third-parties who are injured as a result of your boat. 

Even with the above efforts, your boat might still be damaged due to forces outside your control. In this case, having a reliable boat insurance policy is a must. A.W. Adams Insurance, LLC of Clayton, GA, helps boat owners protect their prized vessels by offering affordable and comprehensive insurance coverage. As an independent agency, you’ll be privy to policies from the nation’s top insurers. You can also rest assured of quality customer service, whether you're signing up for a policy or filing a claim. Call (706) 782-5100 today to speak with an agent or visit the website for a complete listing of personal insurance products.