If you buy a brand new boat, you can purchase insurance that covers the replacement of your boat in case of a total loss. Some policies will also cover the loss of fishing equipment.
If you have losses of personal items like cameras or other items, you can get a policy that covers those kinds of losses. You can get a policy that covers 24-hour roadside service for your trailer and towing services for your boat, while it is in water. If something happens and your boat sinks, there are policies that cover raising the wreckage or destroying it.
Boat insurance is like having a safety net for your investment. If something happens to your boat, it will cover the costs of repairs and losses. If you cause damage to another boat or to a dock, you will also be cover for that as well.
Not only should you protect your boat and passengers with quality insurance, but there are steps you can take to help keep your boating safe. Be considerate to other boaters, carry a VHF radio and having a navigation system are just a few tips to keep you stay safe on the water. Also staying informed of the weather forecast & about boater safety issues can also help you protect your vessel and your family.