During warm months, boating activities pick up in the state. Even during the winter, you can find a fishing boat sitting on a lake. At any given time, there are multiple types of boats on the water. Some people charter a bass boat during the fishing season while others like to take a powerboat for a spin on summer weekends. Boats can be a great source of enjoyment but accidents can happen even when you’re having a blissful moment.
Although Kentucky doesn’t require boaters have Kentucky boat insurance, it’s a wise investment. Even unpowered boats are expensive and a powerboat or yacht can cost several thousand dollars alone. Once you begin to add accessories and upgrade the interior, a boat can be a huge cost.
Kentucky is one of 45 that require certain boaters to pass a state approved safety course before operating a water vessel.
According to state law, you don’t. However, In 2009 alone, there were over 3,300 injuries from boating accident nationwide. Property damage cost $36 million dollars. If you don’t have boat insurance, medical expenses and repair costs will come out of your own pocket. If you have an unpowered vessel like a canoe or kayak, it may not be possible to find boat insurance; but otherwise, it’s a good idea to have coverage.
Finding the right combination of policies to develop comprehensive protection can be hard to understand. A basic policy may work for a boater who only uses the boat a few times per year. On the other hand, a boater living on the lake and using it for a daily commute will need a much more comprehensive plans. A basic plan should consist of:
Additional coverage options you may want to consider include:
Boats are a wonderful way to have a great time but with thousands of boaters hitting Kentucky waters every year, it’s important to protect yourself. Contact a Trusted Choice® member agent to compare Kentucky boat insurance quotes and get a policy you can afford.