Whether you enjoy trolling Lake Oahe for walleye or cruising the Missouri River for pleasure, South Dakota offers many destinations and a variety of settings for the boat enthusiast. The increasing popularity of boating in South Dakota also offers an increased risk of accident and injury, however. Do you have boat insurance that can help protect you when accidents happen? Before you search for boat insurance quotes, however, there are several factors to consider.
The following are statistics from the U.S. Coast Guard Office of Boating Safety:
Boat insurance covers you in the event of loss of or damage to your boat. This insurance covers most vessels with motors, including bass boats, fishing boats, pontoons, paddleboats, leisure crafts and yachts. Boat insurance does not usually cover canoes, kayaks or PWCs.
Boat insurance can also protect you if you cause injury or property damage to another person. You wouldn't drive your car on SD streets without car insurance, and neither should you boat without a policy to protect you from liability.
Although policies can vary considerably from company to company, most South Dakota insurance providers will offer a boat insurance policy with the following coverage options:
Although not required by South Dakota state law, boat insurance is highly recommended by conservation officers.
South Dakota does require that you register your boat with the state. It is also illegal for youth aged 12 or younger to operate a boat with 6 HP motor or more. All children aged seven or younger must wear a U.S. Coast Guard approved personal floatation device at all times while in a boat.
Although no two quotes will be identical, most South Dakota insurance companies take the following into consideration when they calculate your boat insurance premiums:
Chances are you will use your boat in freshwater lakes and rivers. And, because South Dakota waters freeze over for much of the year, your insurance quotes will be significantly lower than quotes for a Nevada boater, for example. A typical boat insurance policy can range anywhere from $100 to $500 annually.
You boat because you enjoy fishing or enjoy the pleasure of being on the water. You don't want your relaxing pastime to turn into a nightmare if an accident happens while you are uninsured. Knowledgeable, independent insurance agents in the Trusted Choice® network are always available to answer any questions, suggest coverage options best suited for your boat and even assist you in filing a claim.
Contact a Trusted Choice member agent near you to find out how you can obtain the perfect boat insurance policy to meet your needs and budget.