Whether you fish the waters of Sleepy Creek Lake or ride the waves at Summersville in West Virginia, finding the right insurance policy for your boating needs is a good idea to protect your bass or pleasure boat. Before you search for quotes on boat insurance, however, there are a few things to keep in mind to find the right coverage for yourself.
While liability insurance is not mandatory for boating in West Virginia, it is a good idea to have so that you can minimize troubles if you or someone operating your boat is involved in a boating accident.
According to the West Virginia Department of Motor Vehicles, boaters do need to register their motorized watercraft with the state.
West Virginia does require a Certificate of Boating Safety Education for boaters, although it does not require a boating license. The regulatory authority for the certificate is the West Virginia Division of Natural Resources (WVDNR). The certificate is mandatory for all boat operators born after Dec. 31, 1986 to operate a vessel with more than a 10 HP motor. The owner or person in charge of a motorboat or personal watercraft cannot authorize or knowingly permit its operation unless the person operating it possesses the certificate as required by law.
If you are between 12 and 14 years of age, you must have your Boater Education Card on board and operate the boat under the direct, onboard supervision of an adult who is at least 18 years old.
West Virginia insurance companies offer policies for a wide variety of fishing boats and watercraft. Whether you own a 15 HP bass boat or a 30-foot yacht, chances are the perfect policy exists for your specific boat. You can find quotes for the following boats and more:
If you've ever seen a propeller-strike accident, you probably want to do everything in your power in order to protect your financial stability against threats of huge medical bills or property damage.
Occurrences that can threaten your boat include natural disasters such as a hurricane, fire, burglary or liability lawsuits filed by other people claiming that you were negligent. Earthquakes, hurricanes and tornadoes are not uncommon in West Virginia.
Purchasing boat insurance helps protect you from the expense of unforeseen losses to your vessel and, depending on your coverage, from liability while you are on the water.
Most West Virginia insurance companies offer a wide variety of boat insurance from which you can choose the right coverage for your boating needs:
The average cost of boat insurance in West Virginia is $300 to $500 annually. If you own a luxury yacht, however, it is possible for your costs to exceed $1,000 annually. There are a great many factors used to determine just how much your boat insurance will cost:
To save money on your boat insurance you can do the following:
Some, but not all, of the information your WV insurance company will need to get started includes the following:
If the coming summer has you wanting to head out to the lake or river, be sure you have your boat protected against natural and man-made disasters. Don't let the lack of insurance coverage minimize your having a pleasant boating experience. Contact a knowledgeable Trusted Choice® independent insurance agent to find free quotes for the best boat insurance policy you can find in West Virginia.