Boat Insurance Archives - Knight Magee Insurance

Category Archives: Boat Insurance

Boat Pre-Season Tips

 Boat Pre-Season Tips

 10 Tips to Get You Ready for Boating Season

 Spring is here in RVA, and summer is right around the corner. It’s time to think about getting your boat out on the water.

Actually, first things first: It’s time to think about getting your boat ready to get out on the water. From the engine and propeller down to your trailer, a little preparation as you get your boat out of winter storage can help you start off the season right — and get the most out of your time on board.

Here are 10 tips from Discover Boating to get you started:

  1. Check your safety gear. Do you have enough life jackets? Are they in good shape? What about onboard fire extinguishers? Are your navigation lights working?
  2. Consider adding safety items. Should disaster strike, an emergency position indicating radio beacon can help rescuers find you and your boat. And, if you have an enclosed space on the boat, you should have a carbon-monoxide detector.
  3. Examine your fuel system. Any leaks or damage should be addressed immediately.
  4. Look at all belts, hoses and cables. Those that appear brittle or cracked most likely need to be replaced.
  5. Check fluid levels, such as engine oil. Change or add as needed.
  6. Have your battery and electrical system checked. Look for corrosion on your electrical connections.
  7. Make sure your propeller isn’t banged up. Dings and distortion can cause vibration, as well as damage your drive train.
  8. Look at the hull for blisters and cracks. Repair or patch damage, and make sure to use an environmentally safe solution when washing the exterior and interior.
  9. Don’t forget the trailer. Treat your trailer with as much care as you show your boat. Inspect the hubs occasionally, and check your lights before every trip. If you go boating in salt water, give the trailer a very good rinse afterward.
  10. Don’t forget insurance, either! It’s a good idea to check your coverage as you head into boating season, too. Just give us a call here at Knight Magee Insurance, and we can help you with a quick insurance review.

There’s nothing quite like a sunny – and safe – day on our local lakes and rivers in Virginia. We’ll see you out there!

 

 

 


Knight Magee Insurance Company in Richmond Virginia

It’s Boating Season

It’s Boating Season

Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few tips we like – courtesy of our partners at Safeco.

Don’t let an accident wreck your fun!

Life Preservers Aren’t Just for Kids. It’s not enough to just have life jackets on board — wear them! In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children: More people in their 30s die in boating accidents than any other age group. Life vests have come a long way in style. Today, you can even get vests for your water-loving dog!

Watch the Back of the Boat. Carbon monoxide kills in minutes. So tell your passengers where your exhaust pipes are located and turn off your engine when people are in the water, and don’t let passengers “ski” or “teak-surf” by holding on to the back of the boat. Both Washington and Oregon made teak-surfing illegal in the last few years, after several tragic deaths. Carbon monoxide detectors are standard on most new boats; older boats install devices for less than $100!

Alcohol and Boating Don’t Mix. More than 50 percent of drowning’s result from boating incidents involving alcohol. You don’t drink and drive, so don’t boat and drive.

Boats Need TLC Too. When you’re out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat’s operating systems checked yearly by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

Experience Counts! The U.S. Coast Guard says that operator errors account for 70 percent of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from Safeco and other insurers if you complete a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Sites for Information:

Coast Guard: www.uscgboating.org

Coast Guard Auxiliary: nws.cgaux.org/

Safeco tips: www.safeco.com/insurance-101/consumer-tips/your-boat

*Most home insurance policies have limited coverage for boats. If you own a boat, watercraft insurance is your best bet: It covers theft, damage, and injuries or accidents while you’re on the water, as well as some of your expensive watersports gear.

We have a variety of boat insurance options. Give us a call at (804) 320-0129 or email myagent@kmicoverage.com


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