Tag Archives: boat insurance

Our top 5 tips for boat maintenance

Any day spent on the water is a good day. And who wouldn’t want more fun, sun and getting nothin’ done? Whether you’re a do-it-yourselfer or you rely on the pros, you can help your boat run well, stay safe and last a long time. The key is investing some time in regular boat maintenance.  

Doesn’t matter if you’re out for family, fun or fishing, take good care of your boat and it’ll return the favor. Here’s a quick maintenance checklist for keeping your boat ship-shape. 

  1. Keep Things Clean: Boating can be a messy business, but a clean, well-kept vessel should last longer than its slimy, shabby counterpart. Regularly remove scale and algae scum from the hull and watch out for buildup. Maintain upholstery with proper marine cleaners and protectants to avoid replacing it down the road.
  2. Stay charged up: Marine batteries can last years if properly cared for. Make sure the battery is secured and firmly mounted to the boat before every trip. Recharge it fully after each use to decrease the chance of sulfate deposit buildup. And make sure its water is always at the right level. 
  3. Eye the engine: Most boats are run hard on the weekends and left idle the rest of the week. This irregular use is hard on any watercraft. That’s why it’s so important to check all engine components and fluids every time you hit the water. If you find a leak, get it fixed right away to prevent more damage and keep toxins out of the water. 
  4. Check the prop: Your propeller needs to be inspected regularly. Any dents, nicks, or dings can slow things down, drive up fuel costs, and create internal damage. A few times each season, remove the entire propeller and get rid of any built-up gunk or debris around your prop shaft, and relubricate. 
  5. Don’t Stop Now: Don’t stop now: The end of boating season doesn’t mean the end of boat maintenance. Boats aren’t built to be cold. Have yours professionally winterized to prevent freezing damage to the engine and hull, and make sure it’s properly covered for winter storage. 

For information only. Not applicable to all situations.

Steer clear of the storm—we’ll help pay your way

When someone yells, “Get out of the way!” you should. In fact, we’ll pay you to do it.  One of the benefits of your Boat and Yacht policy is that we’ll cover part of the cost to move your vessel to safety when it’s threatened by a hurricane or named storm. 

Things happen fast when the weather turns, so plan ahead—don’t wait ‘til the storm is on your doorstep. For smaller watercraft, contact a hauling company to move it to inland storage. For larger watercraft, it’s probably much easier just to navigate out of harm’s way yourself as early as possible. Either way, we’ll reimburse you up to $500 for the cost; a higher reimbursement limit is available as an optional endorsement. 

Ask your agent now for a short form that lets us know where you’re normally moored and where you expect to be during an emergency. Then you can focus on acting quickly and show us your expense receipts later. 

You may never need it, but this policy perk will save you both money and a headache if you’re able to get out of the way when Mother Nature tells you to. 

For information only. Not applicable to all situations. 
Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8). 

5 tips for weathering the storm

Boating season. Full of sunshine, fresh air, good times … and sometimes storms. Severe weather not only puts a damper on the fun, it can do real damage to your boat or yacht. Luckily, proper storage and a few preventative measures can help it weather the storm.

If you’re storing your watercraft on land, check out these 5 tips to secure it for smooth sailing all summer long. Make sure to share these tips on your social networks for all the boaters in your life.

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For information only. Not applicable to all situations.