If you’re considering buying a boat in Florida (or you already own one), it’s imperative to make sure your belongings are secured and insured. The amount of stolen boats has fortunately subsided, but Florida is still a hot spot for these type of crimes. Practice safe and smart boat ownership by taking the following steps.
1. Know your coverage.
Boat insurance policies vary widely. It depends on the type of boat, the waters it will traffic, how many months of the year the boat is in use, and more. Familiarize yourself with your coverage, in case anything happens.
2. Take photos of your boat and its equipment.
This is a great way to keep track of everything installed on your boat, in case of theft. Create a spreadsheet that includes the value of everything you own. This will help you decide what kind of insurance coverage to lock down.
3. Don’t leave your title or registration papers in your boat.
Instead, store them in a safe place in your home.
4. Remove expensive equipment from your boat when you’re not using it.
This will give you peace of mind that your equipment is safe and sound.
5. Get coverage for physical damage.
This additional coverage insures your boat against physical damage and loss caused by sinking, fire, storms, collision, theft, and more.
6. Get liability coverage.
This coverage is useful if your boat causes injury or damage to other boats, docks, or structures. It’s important to have because you never know what will happen.
Some additional quick tips…
*Lock detachable motors to the boat with a chain.
*Shut fuel lines and remove batteries to disable the boat.
*If you have a trailer, use a trailer hitch lock.
*Install a kill switch in the ignition system.