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Those of you who own boat will want to make sure

you get watercraft coverage. Often times, people

don't realize that they need this type of coverage

for their boats. There are many boat owners that

don't even realize this type of insurance is

even available.

You need boat insurance if you own a boat, it's

that simple. Before you buy boat insurance, here

are some things you simply must know.

- Many states now require that you carry watercraft

liability coverage. What this coverage does, is

protect you against any damage that you cause to

other people or their property with your boat. This

insurance will also cover you for vandalism, theft,

fire, stranding, sinking, and even collision. You

should always call your insurance agent and see

what's required with your state and what policies

they cover.

- There is also optional coverage that you should

really consider. One type of coverage that you

should strongly consider is Wreckage Removal. In

most areas, the removal of sunken or wrecked

boats is required by law, and the responsibility

of the owner to pay for the removal, which can

easily be very expensive.

Wreckage Removal coverage will pay these costs for

you. You should also consider adding coverage

that will pay for repairs and mechanical failure

as well, along with towing charges - should you

ever need to be towed back to the shore.

- Not all insurance companies cover everyone who

operates the boat. This is something you should

always ask about, find out who is covered when

operating the boat. There are several companies

that will only cover the owner of the boat. Make

sure that the insurance agent defines who is

covered when operating the boat.

- When you shop for boat insurance, call your

current company first, then check with other

companies to see what type of rates they offer as

well. Always remember that insurance agencies

are in competition with each other, and they'll

work with you to get you to join them. Let one

know about a better rate that you've been quoted

and see if they'll go one better.

Before you shop for boat insurance, think about

the investment you have made with your boat. Boats

are not cheap, replacing or repairing them isn't

cheap either. Therefore, you should always make

sure you get the coverage you need to protect you

against anything that happens with your boat.