Boat Insurance:
Most companies provide limited coverage for property damage for small
boats such as canoes and small sail boats or small power- boats with
less than 25 horsepower under a homeowners or renters insurance policy.
Coverage is usually about $1,000 or 10% of property coverage.
For other boats, you will need to purchase separate insurance. The
size, type, value of the craft and the water in which you use it factor
into how much you will pay for insurance coverage.
Protect Your Boat, Motor, Trailer and Equipment.
Your boat is a big investment and it makes sense to protect that
investment all year long---in and out of the water!
You need protection that goes with your boat when you take it on the
road and in the water. That's why De Carlo Insurance Services
provides coverage for your boat, motor, and equipment for a wide range
of hazards that can happen while hauling, launching, boating and
storing. You get protection against:
-Theft, Vandalism
-Windstorm, Hail, Lightning
-Fire, Explosion
-Damage in transit, Collision, and sinking
Protect Yourself with Liability Coverage:
-You accidentally hit a swimmer
-Your boat collides with, and damages another boat
-Your boat damages a dock
Protect Your Passengers with Medical Payments Coverage.
Persons covered include:
-You and the passengers in your boat
-Water skiers behind your boat
-You, members of your household, and guest passengers, while in the
water, if struck by any boat.
In fact, we find coverage that protects your boat for just about any
hazard not specifically excluded by your policy.
Customize Your Boat Insurance with These Special Coverage Options.
Additional Emergency Service Protection: Get additional protection
against costly emergency service for your boat and trailer, such as
towing your boat to shore, or changing a flat trailer tire. Increase
your Emergency Service limits above the $100 policy limit, up to $500.
Protection for Personal Possessions
Personal Effects coverage protects your valuable belongings such as
fishing and skiing equipment, cameras, and portable radios while being
used on your boat.
Quality Insurance is what De Carlo Insurance Services
provides. It gives you peace of mind throughout all your boating
experiences.
SAFETY
In 1996 the Coast Guard recorded 8,026 recreational boating
accidents. Contributing factors to these accidents include traveling too
fast for water or weather conditions, driving under the influence of
drugs or alcohol, failing to follow boating rules and regulations,
carelessness and inexperience.
To prevent boating accidents, we offer these safety suggestions:
-Check weather forecasts.
-Let someone know where you're going and when you expect to return.
-Check engine, fuel, electrical and steering systems, especially for
exhaust-system leaks.
-Carry one or more fire extinguishers, matched to the size and type of
boat. Keep them readily accessible and in condition for immediate use.
-Equip the vessel with required navigation lights and with a whistle,
horn or bell.
-Consider additional safety devices, such as a paddle or oars, a
first-aid kit, a supply of fresh water, a tool kit and spare parts, a
flashlight, flares and a radio.
Care and Protection of the Crew and Guests
-Make sure that every person on board the boat wears a life jacket.
-Know and obey marine traffic laws, the "Rules of the Road." Learn
various distress signals.
-Keep an alert lookout for other watercraft, swimmers, floating debris
and shallow waters.
-Pay attention to loading. Donít overload; distribute the load evenly;
don't stand up or shift weight suddenly in a small boat; and don't
permit riding on the bow, seatbacks or gunwales.
-Don't operate a boat while under the influence of alcohol or drugs.
Skippers can obtain free advice and boating-safety courses from the
U.S. Coast Guard Auxiliary. Upon request, the auxiliary will conduct
a Courtesy Marine Examination (CME) on your boat, checking electrical
and safety equipment and fuel hoses. Boats meeting safety standards are
awarded the CME decal "Seal of Safety."
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