Why Boat Insurance Is A Necessity

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"Why Boat Insurance Is A Necessity"

- by John Edwardson
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Boat insurance is necessary for all boat owners who live on
or really value their boats. If it is something that you
feel you must replace then you need to insure it. If you
live on your boat it is absolutely necessary that it be
insured. Who would want to lose their home?

Also most boats are financed in the beginning. The lending
company will insist on insurance in those cases just as
they would with a house or a car. This is not unreasonable;
they have as much to lose in the financial sense as you do
if anything happens to the boat.

Some areas are more dangerous than others for boaters.
While some of those areas are famous or infamous 'the
Bermuda Triangle' and the Dardanelles others are less well
known but can be just as dangerous.

Cape Disappointment in Washington State is one of the most
dangerous areas on the seas when the conditions are right
(or wrong). You need to be just as prepared when you off
the Pacific coast of Washington and have your boat
insurance in order as you do when you are sailing from
Bermuda to Florida.

While I contemplate the last half of my life; (I am getting
close to that turning point) I must make some decisions as
to what I want to do with my leisure years. I have many
thoughts in mind but one of those options that keep coming
to mind is sailing the world.

All of us need to plan for what we want. If I choose to go
sailing I will need several things of those things that I
will need if I do choose a boat insurance is the top of
that list. I might wind up in a cabin by the woods or on a
beach in the South Pacific, I am by nature a solitary
person.

If that is the case I will happily spend my time sipping
iced tea and spoiling my grandchildren. If I am on a boat
I think I will see the Sargasso Sea and sail around the
world and across the equator.
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