Watercraft Insurance to fit your budget and needs

Low Cost Watercraft Insurance in Decatur, GA

FOCUS INSURANCE GROUP ... Call: 404-633-3333

​What to consider when buying a Boat
Family on Boat
The wind in your hair, the sun on your face, and the open water in front of you. Sound appealing? Then you might want to join the ranks of boat owners all over the country. But before you cut through that clear blue, there are some things to keep in mind. Whether you're buying a fishing boat, cabin cruiser, pontoon or speed boat, different components like cost, horsepower, weight capacity or onboard storage may prove to be more important to you than others.
Answer these questions before going boat shopping:
Use
What are you hoping to use your boat for? All boat styles have a different design tailored to the use. Speed boats may be better for tubing and water skiing but wouldn't hold as many people or be as fish accessible as a pontoon or fishing boat. Maybe you're in the market for a sailboat or leaning towards a houseboat. There are so many different varieties of boats, so make an informed decision on which one is right for you.
Cost
What's your budget? This may help decide whether to purchase a pre-owned boat. New boats depreciate anywhere between 25%-33% immediately after leaving the dealer's lot. So, if you buy a pre-owned boat, someone else has already paid that depreciation cost - more boat for fewer dollars! However, buying a new boat will offer a warranty, the newest technology, and that nice shiny look as you move across the water - the choice is up to you!
Capacity
How many people are you hoping to go on your boating excursions with? The capacity on personal fishing boats is generally smaller than a pontoon boat, which are made to hold anywhere between 8-15 adults comfortably.
Equipment
What type of equipment will you want onboard? Here's some suggestions:

• Trolling Motor
• Lights
• Depth finder
• Live well
• GPS
• Canopy
• Stereo
• Tables
• Emergency survival kit
• Fire extinguisher

Towing
Will your car be able to tow the new boat? According to Auto Bytel, the average 21-foot boat trailer weighs between 500 and 1,000 pounds, while most boats in this size range hover in the 4,000-5,000-pound range. This means that you'll want an SUV or truck that is rated to tow between 4,500-6,000 pounds in total.
Storage Limitations
Will your new boat fit in your garage during the off season? Alongside your garage? In a separate storage space?
And a few other components to consider...

• Horsepower
• Engine Type
• Hull (Deep V, Modified V, Pontoon, etc.)
• Storage Onboard

Insuring your dream boat should be at the top of your list. Homeowner’s policies have limited coverage and several exclusions, so make plans to check with our agency for a no-obligation consultation on your specific needs.

What Is Boat Insurance?
Boat insurance covers damage to your boat, motor, trailer, and personal items in the boat. It protects the boat owner against liability lawsuits and medical payments. Boat insurance protects most watercrafts with engines including small fishing boats, powerboats, houseboats, yachts, and pontoons. 
It's important to note that your boat is not covered by homeowners insurance. 
What Does Boat Insurance Cover?
The boat insurance coverage includes: 

• Collision damage
• Property damage liability
• Bodily injury liability
• Comprehensive coverage

Additional coverage options
Boat insurance provides a significant amount of protection and each form of coverage adds protection in certain scenarios. 
There are all sorts of add-on coverage that you can include on a boat insurance policy. 
Add-on boat insurance cover options include: 

• Roadside assistance
• Personal property protection
• Fishing equipment
• Medical payments
• Oil spills
• Damage to a dry dock
• Uninsured coverage

You should protect yourself against any scenario that you could potentially come across. If you sustain injuries from another boater or they damage your boat, you should have coverage if they are uninsured. 
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It's important to read through a policy and determine where you need added protection. Every policy and insurance carrier is different. Ask one of our insurance agents about your coverage options so you can plan for future expenditures.

​Why do I need Boat Insurance?
There is nothing quite as relaxing as boating.
Boating can be a great summer activity, especially for people who live near lakes, rivers, and reservoirs.
Because of the many dangers that are exposed around water, it is important for boat owners to make sure they are covered, when the unexpected happens.
Let us help you keep worry free, so that you are able to relax and enjoy the water, knowing you are well protected.
We have access to several products, enabling us to help you find the best coverage for you, with your specific needs in mind.
Here are just a few of the types of watercrafts that we can help provide coverage for: Small Boats, House Boats, Yachts, Mega Yachts, and Many More.
Let us help you give you peace of mind knowing your investment is well protected.
Please contact our agency today for a no obligation review of your insurance needs.