What Is The Best Insurance For Your Bradenton Boat?

What Is The Best Insurance For Your Bradenton Boat?

Finding the best insurance for your Bradenton boat can be challenging. Whether you’re looking for the cheapest premiums, the most personalized customer service, or just basic coverage, NerdWallet has you covered.

Insurance is important for boating buffs who own a vessel. The vast majority of personal Bradenton boats are docked in a marina, where constant surveillance isn’t possible. Just as you would insure a car, a boating policy is imperative for any boat owner. One huge benefit is the vandalism and malicious mischief coverage, which provides incredible peace of mind.

Customizable policies may be adjusted to an individual’s specific marine situation, with optional add-ons to cover fishing equipment, personal property, towing, and any damage to you or your property. Basic policies cover any accidental damage that may occur from a collision, sinking or vandalism. Most policies will cover physical damage, too. Find the best one for your Bradenton boat and make sure you are completely prepped for everything.

State Farm: Best rated

State Farm boat insurance covers your standard variety of boating accidents, such as sinking and collisions. Property covered under your policy also includes anchors, oars, trolling motors, tools, and life preservers. Customers with the company have reported some frustration with drastic price changes, but the coverage is reliable.

Geico: Best basic boat coverage

Geico boat insurance has the cheapest rates you will find for complete coverage of your boat. You can also get discounts for completing boating safety courses. Customer reviews rave about Geico’s knowledgeable agents.

Allstate: Best for customer satisfaction

Allstate provides great protection for your boat. Its rates start at only $20 a month. Allstate also provides coverage for up to 100 miles off the coast you are boating in. Many customers have a strong sense of loyalty for the company. The company is also very forgiving with claims and won’t jack up prices out of the blue.

AARP | The Hartford: Best for customers over 50

AARP Hartford offers fantastic protection for your boat. It offers a lifetime renewability policy for customers. You can also get coverage involving water sport accidents. Reviews have indicated some customers have trouble getting their claims processed, but overall, AARP Hartford is ranked positively. AARP Hartford boat insurance isn’t cheap, but it includes a variety of coverage options.

Progressive: Best coverage variety

Boat insurance from Progressive has several good coverage options. It’s very affordable and still offers comprehensive coverage against other uninsured boaters. Customers have reported that customer service is courteous and knowledgeable, and many claim to have saved money when switching from other companies.

 

Top Tips When Buying Your Palmetto Boat

Top Tips When Buying Your Palmetto Boat

  1. The type of boat

You’ll first have to decide what type of Palmetto boat you want to buy. Think about if you will cruise or race or will you be day sailing or staying on board for a couple of days. Will you be taking it out on the ocean or rivers and lakes? When you decide what you want to use your boat for, you can start shopping to see what kinds of boats will meet your demands.

 

  1. What can you afford

After you decide what type of Palmetto boat you want, you need to decide what your budget will be. Don’t forget to consider maintenance, running costs and storage. Always allow for an unexpected expenditure because you never know when you’ll need to cover the cost of a new engine or a new set of sails. It is estimated that your boat will cost you at least 10% every year in maintenance and storage of what the purchase price was.

 

  1. Where to find the ideal boat

Once you have established exactly what you want and how much you are willing to spend it is time to find the ideal Palmetto boat. Nowadays the internet is the obvious first choice for many of us. Most brokers advertise online and offer thousands of boats for sale both privately and from brokers. Yachting magazines, newspapers and yacht club notice boards are also useful sources. An increasing number of boats are also sold on ebay – but make sure you follow my next tip before you commit to buy!

 

  1. Look at and try out the boat

Make sure you see the Palmetto boat you want to buy, you wouldn’t imagine how many people buy boats without seeing what they look like in person. You’ll also want to try it out before you buy it and buying a boat is a great time to go out and try it out before you decide to buy it.

 

  1. Assess the condition

Some insurance companies won’t insure a boat without knowing the condition of the boat. We recommend you have a professional survey conducted so that it can help you out with the insurance and it will also help you negotiate a price.

 

  1. Draw up a contract

We recommend that you have a written sale and purchase agreement when you buy any kind of boat. This will help you out if any kind of disagreements occur. 

 

  1. Secure the purchase with a deposit

If you make a deposit, it can act as security and prevent the seller from selling the boat to someone else. 

 

  1. Check the documentation and VAT status

Always check all documents of proof of ownership before you commit to buying a boat. Also check the VAT status of the boat because if it was built after 1985 then the easiest way to show this is to have the original VAT paid invoice.

 

  1. Completion

After the survey and all negotiations have been finished, the final transaction consists of handing over the title documents of the boat. Documents that you should receive include, the Certificate of Registry (if registered), the Bills of Sale going back at least 5 years, proof RCD compliance if required and proof of VAT status. Be sure to keep these documents in a safe place as they are not easily replaceable. 

 

  1. Enjoy your boat!

Don’t forget the most important part now that you have a boat…enjoy it! This is the time to plan lots of trips and maybe even join a yacht club! Invite all of your family and friends so that they can have fun with you.

 

How Close Should My Antennas Be For My Yacht?

How Close Should My Antennas Be For My Yacht?

I spent yesterday with a group of sales and service people from one of our major industry suppliers (IMTRA) of high-end equipment, like LED lighting solutions, seating, anchors, and windshield wiper systems. One of the questions they wanted answered was what constitutes proper separation for antennas on boats to ensure that “cross talk” interference from one system to another doesn’t occur.

One of my books, Advanced Marine Electrics and Electronics Troubleshooting, covers this subject. According to the standard, Satellite TV antennas should be three feet away from VHF antennas and GPS antennas and VHF antennas should be at least three feet away from GPS antennas.

Having the satellite TV a little too close to the VHF and the GPS is a common problem due to the tight amount of space on most boats. So, is this really a problem?

Testing of all the systems for any cross talk or interference is the only way to know for sure. The NMEA was probably acting prudent when they established their requirements. What’s the bottom line here? Always test the operation of the equipment with everything up and running so any cross talk can be recognized. If interference is noted, then you’ll have to move the antennae.

If you are looking for even more quick tips from our Marina, feel free to stop by our marina at any time to chat with our talented staff members to see how you can work on your yacht even further for the winter months. We look forward to seeing you soon at Riviera Dunes Marina this holiday season!

Why Is There A Battery Negative Option On My Bradenton Boat?

Why Is There A Battery Negative Option On My Bradenton Boat?

Question: I’ve been wondering for a while now why my boat has a switch on the main battery that turns the DC negative off and on. No one I know that owns a boat has this feature so I was curious as to why it was there.

Answer: Typically, switched DC negative is a electrical feature in Europe that is rarely ever seen on American built boats anymore. We used to see this approach more often in commercial applications where the hull material is aluminum or steel. 

You could have also seen double-pole circuit breakers for the DC branch circuits that would open both negative and positive conductors at the same time. This originated from the fear of stray electrical current causing strong electrolytic (stray) current corrosion. A boat owner can be assured that without any power source and by completely isolating the battery, the chance of this happening is eliminated.

Today, as long as the Bradenton boat is wired properly, this approach is a bit of an overkill. This explains why you don’t see this approach taken on boats today, regardless of what hull material is used. 
 
Looking for more tips on your Bradenton boat or the best ways for upkeeping your yacht? Be sure to check out our weekly blog for new updates, tips and fun around Riviera Dunes Marina. Stop by today to see just why Riviera Dunes Marina is one of the premier luxury marinas in Florida. Take your Bradenton boat for a quick trip up the Manatee Marina and be sure to stop by and say hello. (Please note, Riviera Dunes Marina is a Non Live-Aboard marina).

Top 15 Tips When Planning An Atlantic Ocean Voyage

Top 15 Tips When Planning An Atlantic Ocean Voyage

Every winter, it’s Atlantic crossing season. If it’s your first time crossing the Atlantic, here are 15 tips to follow.

 

1. You don’t need a special boat

Chances are that whatever kind of boat you have now will get you across the Atlantic just fine as long as you are fully prepared.

2. Keep it simple

The key to crossing is keeping a consistent speed all day. You don’t want to have that much downtime. 

3. Revise your energy equation

On top of the power you think you will be using on your crossing, add on another third. You can increase the means of generating more electricity with solar panels or a diesel generator.

4. Get some extra training

Be prepared and make sure you’re knowledgable of Diesel engine maintenance, medical and first aid training and sea survival. 

5. Make the most of your time out

Enjoy the route down to the Canaries and other hopping-off points and don’t rush the opening stages of your year off.

6. Take more crew for the crossing

Don’t underestimate how hard and tiring ocean sailing can be, the extra crew can definitely make your life easier.

7. Go the long way round

The quickest and simplest passage plan just requires you to run your latitude down to around 20°N, 30°W before turning right. This way you’ll get nicer conditions and pick up the trade winds earlier.

8. Take it steady

Try not to go all-out right away and consider that it will probably take around three days for your crew to get their sea legs and get settled into a routine.

9. Prepare for gear failure and carry spares

Always be prepared for your equipment to fail. Try to work out a plan on what to do if a gear your normally rely on stops working. Also plan your spares list really carefully and assume that any piece of equipment can fail.

10. Costs

Costs can run high regardless of the yacht you have. One of the most expensive aspects of cruising across the Atlantic is eating out. Also gear service costs can run pretty high.

11. Shore support

Keeping logistics support from home makes like so much easier. Keeping your crew in touch with the real world is really important when crossing.

12.  Keen an eye out for chafe

Identify chafe points on the top of the halyard, sheet runs and through the spinnaker pole and protect as needed.

13. Be smart with your provisioning

When it comes to fruit supplies, try sticking with oranges, pears and apples. Don’t take any cardboard packaging on the boat, this will avoid importing cockroach eggs.

14. Safety

If there’s bad weather, don’t be afraid to wear your lifejacket. Also let your crew know that they should never leave the cockpit to go forward when no one else is awake. 

15. Fuel

You can never carry too much fuel. Better safe than sorry.

 

Of course when you aren’t crossing the Atlantic, be sure to stop by Riviera Dunes Marina to pick up your own slip rental from the Premier Palmetto Marina.

Visit The Beautiful Bradenton Gulf Islands

It’s easy to discover the unique and charming island culture of Anna Maria Island, Longboat Key, and their coastal companions, Bradenton and Lakewood Ranch. You’re roped in by an alluring combination of Old Florida beauty, magnificent beaches and easygoing lifestyle. Come stop by Riviera Dunes Marina today and enjoy the closeness and the beauty of the Bradenton Gulf Islands.

Top Marina Tips For Safety

Top Marina Tips For Safety

A vital piece of boating safety involves being careful around the marina. Below are some marina safety tips to help boaters stay safe.

1. Be Safe on the Dock
Always wear non-slip shoes around the marina. Keep docks clear and uncluttered. Make sure you know where the nearest fire extinguisher is located.

2. Don’t Swim in Marina Waters
Docks and boats often carry sources of electricity. Bad wiring can cause the surrounding water to become energized. Make sure you are familiar with the electrical system so you can identify and correct dangerous problems.

3. Wear Your PFD (Personal Flotation Device)
We encourage you to have young children and small dogs in PFDs at all times.

It’s recommended that everyone wear a PFD while on the water. It is especially important to wear a PFD while boating after dark, in congested waterways, when you’re boating by yourself, and during rough weather conditions.

4. Be Aware of Fire Hazards
Prevent a fire on your boat by being proactive about regular maintenance of your vessel and following the Coast Guard’s guidelines for safely fueling your boat.

5. Know The Weather
Avoid walking around the docks while there is local lightning activity. This is especially important in Florida, the lightning capitol of the country. Wet slip customers should make sure their vessels are equipped with a lightning protection system.

 

Being safe around Riviera Dunes Marina is a top priority for all of our guest, renters and owners. These few tips will help you to create a safe atmosphere for all to enjoy while you visit our marina. We pride ourselves on being one of the premier Florida marinas and through your help we can continue to keep it that way. If you ever have any additional safety concerns or tips, please feel free to let our staff know at any time.

Get Your Bradenton Boat Winter Prepped

Get Your Bradenton Boat Winter Prepped

Did you know that water expands in volume by about 9% when it freezes. This creates an enormous force that can crack a Bradenton boat engine, damage fiberglass, or destroy a boat’s refrigeration system overnight.

That’s why, according to the Boat Owners Association of the United States, it’s so important to winterize your boat.

 

Here is a checklist from BoatUS for proper winterizing:

Inboards:

  • Fill fuel tanks and add stabilizer to gasoline.
  • Change oil and filter.
  • Change fuel filters/separators in engine(s).
  • Check coolant level in freshwater-cooling system. Add coolant, if necessary.
  • Run antifreeze through raw-water-cooling system.
  • Make sure water strainers are filled with antifreeze.
  • Fog cylinders in gasoline engines.
  • Top up battery electrolyte level and put batteries on marine charger.

 

Outboards:

  • Fill installed fuel tanks and add stabilizer.
  • Turn off fuel supply and fog while running.
  • Drain gear case and add fresh lubricant.
  • Flush engine with muffs and fresh water.
  • Store unit in lowest position.

 

That takes care of the engine. If you need more information, check your owner’s manual for winterizing tips.

Winterizing also allows you to thoroughly clean your Bradenton boat. Don’t leave anything in the boat that will attract bugs. Store life jackets and cushions in a dry place.

Make sure the bilge is dry. Pull the drain plug to allow air circulation. Make sure you put the plug somewhere memorable before you launch in the spring.

After you vacuum the inside of the boat, clean the exterior. Remove any algae.

Check and repack the wheel bearings on your trailer. Make sure all ropes are strong.

If stored outside, remove anything of value. Then shrink wrap the whole boat and motor. Doing just a few of these items can help to preserve your Bradenton boat for the few cold days that we have down here on the Manatee River. Although our temperature never gets that cold, it is always a good idea to prep for the worst conditions.

Check Out Our Neighbors at Riviera Dunes Resort

Check Out Our Neighbors at Riviera Dunes Resort

Riviera Dunes Resort and Yacht Club might be the place for you if you’re looking for a relaxing place with spectacular waterfront vistas and a sheltered marina. As one of the greatest boating communities on the West Coast, it’s located just south of the Bradenton Area Convention Center and is arranged around a central harbor.

The area used to be an open dolomite pit mine that was landlocked and had no harbor. The owners had a specific vision for future use and so they pursued the proper permits. In the end, five investors developed the land. After they worked on it, the harbor surfaced.

Today, there are only a few empty parcels available at Riviera Dunes Resort and Yacht Club. One of the pioneer owners, Arnie DuFort, a Realtor with Premier Sotheby’s International Realty has lived in Riviera Dunes for 14 years. 

He was a member of the original sales team and worked for the builder until he decided to go into general real estate.

What DeFort likes about Riviera Dunes is the fact that there are different price points and the variety of residences.

There are also two condominium communities that offer a panoramic views of the Manatee River. Laguna has units in four multi-story buildings that each have their own swimming pools and clubhouse.

There are single-family residences split into two sections. One offers 60 homes inland and the other offers homes arranged around the marina and alongside the river. Some of them even have private docks in the harbor.

The Hammocks is a subdivision with three-story town homes. Besides the boat slips in the Riviera Dunes marina, there are 220 “dock-ominiums” that have been set aside for Riviera Dunes residents. The rest are open to the public. 

The marina is a favorite with seasonal and year-around boaters because of the protected, deep-water location and the fact that there’s easy access to the Intracoastal Waterway and Gulf. The majority of residents are a mix of retired people that live there permanently. There are also snowbirds though who keep their boat there and fly in.

A lot of the residents have an active lifestyle. They kayak, play tennis, swim and take their pets on the walking paths around the harbor. There is also a number of golf courses that are within driving distance.

Riviera Dunes is a popular real estate venue because of the opportunities there are and all the different amenities that it offers.

In the last 6 months, 18 homes have sold ranging in price from $225,000 to $990,000 in Riviera Dunes. There are currently five active listings ranging in price from $415,000 to $1.65 million.

The Hammocks have had three sales and have two pending sales. There are currently three town homes on the market.

The two condo communities recorded 15 sales and have one pending sale. There are currently 12 active listings ranging from $239,500 to $825,000. And of course, who doesn’t love living right next to Riviera Dunes Marina?

Tips To Buy A Bradenton Boat Without Sinking Finances

Tips To Buy A Bradenton Boat Without Sinking Finances

If you’re looking into getting into boating, remember that you don’t have to be rich to own a Bradenton boat. According to the National Marine Manufacturers Association, 72% of boat owners in the U.S. have household incomes that are less than $100,000.

While you don’t have to be wealthy, you still should be smart with your finances and study your options when you’re looking for a Bradenton boat.

Focus your search

You’ll know what is right for you once you take into account your activities and your preferences ranging from passengers to transportability.

Here are questions that you can ask yourself before you purchase a boat.

What will you use your boat for?

Experts state that this should be your first question.

According to the NMMA, the number one answer is fishing, then tubing and water skiing. Other reasons that follow include sailing and cruising. 

Do you really have time to enjoy your boat?

If you’re just going to have a boat that sits on the water most of the time and you only get out about once a month, then you might want to reevaluate your decision to purchase a boat. 

According to the NMMA, out of the 242 million adults in the U.S., only 9 million or more than one in three, actually participated in recreational boating at least once in 2013. The average use was 26 days! You may want to consider renting if you think you will be in a similar situation. Even if you rented at $700 a day, that would be far less than the average spent for a new boat.

Think you need a bigger Bradenton boat?

According to the NMMA, 95% of boats in the U.S. that are on the water are 26 feet or less. So you’ll want to think about how many passengers you want to carry whether it’s just 2 or more than 20. Are you going to be having parties or will you be needing sleeping quarters? Or are you just looking to fish on a lake? Remember that the bigger the boat, the more expensive it’s going to cost you to operate it.

Your expenses for the year could easily surpass $10,000. If you start with registration and insurance, an average-priced boat can run you about $700 annually. If fuel is around $3.50 to $4 a gallon, you’ll have to take that into account when you end up buying a boat with a 150 horse power engine that burns 15 gallons an hour.

Moorage also needs to be kept in mind and varies in price from $1.50 to $15 per foot per day depending on where you stay. Remember you’ll have to dry dock in the offseason, add in launch and lift-off fees, cleaning and treatment, engine maintenance and more. It can quickly add up!

Where will you keep it?

Some people dock their boats at they homeport marina and others lug their boats around on trailers. You need to keep in mind that the bigger the boat, the stronger the trailer and truck you’ll need to pull it. You may also need permits to move your boat. You need to consider how much all these storage options will cost you when you’re not using your boat for long periods of time.

What should propel your Bradenton boat?

Powerboat sales have been up 2.4% since 2013 and that includes outboard, sterndrive, inboard and jet boats. You’ll have to decide whether you prefer paddles or wind power. 

New or used?

Used boats are far less expensive because they have already depreciated. Depreciation on a used boat should level out eventually with proper maintenance and equipment improvements. You’ll want to have a professional check out the boat before you buy used to determine its value and condition.

Where do I get started?

You can get started online! A lot of brands have owners clubs where you can talk to people who have been there, done that and can offer tips on boats. There are also boat shows that you can go to and see models in person and talk to a dealer or expert.