Blog June 2020

So the 4th of July weekend is coming up, you have a few days off to enjoy. Time to finally get the boat out and hit the water.

Well, not so fast. Time a little time now and save some grief later.

Here's an old excerpt of an article from US Boat that stands the test of time.

While this may look like a lot to do — it might just save you a whole lot of trouble.

    Run the engine at home on flush muffs before you venture to the ramp so you're very confident that your motor will start. Troubleshooting a motor that won't start can cause long delays at a ramp. This is especially common during the first warm days of the year.

    Safety chains or cables need to be crisscrossed between the trailer and the tow vehicle, not simply attached. When this is done, if the trailer disconnects while you're driving, the tongue falls into the crossed chains instead of dropping to the pavement and causing an accident.

    While you're down there, make sure the coupler is secured with a pin and locked onto the hitch ball. Take a second to determine that the receiver is locked into the tow vehicle.

    Check the brake-fluid level in the actuator, if present. At the same time, take a look below the actuator for any signs that brake fluid has spilled or leaked. In fact, when you do a walk around of the trailer, look for any indication that brake fluid has leaked from the brake lines. Attach the emergency actuator cable to the vehicle.

    Make sure that the trailer is level with the tow vehicle.

    Check the inflation on trailer tires when they're cold. Don't forget the spare tire. The recommended psi is on the sidewall of each tire as well as on the trailer's Vehicle Identification Number plate.

    Raise the outboard or the I/O and lock it up. If you have a transom saver, attach it.

    Inspect the trailer lights by having a helper turn on the tow vehicle's lights and trigger the turn signals and brake lights while you stand behind the trailer and eyeball that everything works.

    Check that tie-downs and transom straps are secure. Hook the winch strap to the bow eye; also hook a safety chain from the trailer frame to the bow eye.

    If a seal is starting to fail, bearings may throw grease under the fender or along the trailer frame. If you have oil hubs, inspect the level and fill if necessary. Inspect wheel-bearing protectors for dryness at the zerk fitting, which feeds grease. Add grease if it's needed.

    Search the boat for items that might blow away during the drive to the ramp. Life jackets, clothing, flotation cushions, and sail bags are the usual suspects that often end up along the roadside. Put them in the tow vehicle or secure them before leaving the driveway.

    Make sure to distribute weight evenly inside the boat, both fore and aft as well as side to side.

What About Your Boat's Wake?

You can save a lot of aggravation, some money and avoid being the recipient of some not so nice gestures from other boaters by using a little common sense and courtesy. This means coming completely off plane when you enter a no-wake zone or any area where your wake could compromise the safety of other boats. All too often the skippers react to a no-wake sign by slowing the boat slightly and then plowing through with the boat's bow up in the air and the stern dug down into the water. Instead of reducing the size of the boat's wake, this token reduction in speed — not quite on plane — increases the size of the wake.

No wake means NO WAKE. The first rule is to slow down so that the boat is level (without using trim tabs) and the size of the wake is negligible. Look back at the wake you're creating. You can help to reduce the size of your boat's wake by positioning passengers toward the center of the boat to keep it level. Too much weight aft lowers the stern and increases the size of the wake. Finally, keep an eye on your depth sounder; shallow water increases the impact of your boat's wake.

Damaging wakes can also be caused when a skipper waits too long to pull back on the throttle. A good example is the young skipper in New Jersey who was tying up at a marina gas dock when he encountered someone who was "cursing and accusing me of not having any respect." Words were exchanged, gestures were made. The young skipper's cruiser, it seems, had created a large wake that bashed several boats at the marina against pilings and finger piers. He had "slowed" just before reaching the gas dock, so he reasoned that the damage must have been caused by "some other boat's wake."

What is the best coverage for my boat?

It is best to have what is known as an "All Risk" policy, which will provide coverage for all types of losses except those specifically excluded in the policy. Typical exclusions may include wear and tear, gradual deterioration, marring, denting, scratching, animal damage, manufacturer's defects, defects in design, and ice and freezing.

How much should I insure my boat for?

You should insure your boat for the amount it would cost you to replace it with like kind and quality. This is called "Agreed Value" or "Stated Value" coverage, and in the event of a total loss, will pay the full insured amount. Beware of policies providing "Actual Cash Value" (ACV) coverage, which means the value of your boat will be replacement cost less depreciation.

What other coverages can I expect with my policy?

The following are standard coverages with standard deductibles and average limits:

• Medical payments, $5,000
• $1,000 limit Personal effects, $250 deductible
• Uninsured boaters liability, between $300,000 and $500,000
• $500 to $1000 limit Towing and assistance, no deductible
• $1,000 limit Fishing equipment, $250 deductible

Who is allowed to operate my boat?

Most policies will allow anyone to operate your boat so long as you have given them permission. There are exceptions, of course, especially with high performance boats or personal watercraft so always read your policy. But beware, too many additional drivers often results in increased premiums.

I live in an area where I can't use my boat in the winter, but my lender requires it be insured year-round. What can I do?

Ask your insurance agent if they offer what is commonly referred to as a “lay-up” discount. You have year-round coverage with a discount for the months your boat is in dry storage.

Large Boat (Greater than 29') Insurance

What are the differences between boat and yacht insurance?

Generally "boats" are considered to be 26' and smaller, and "yachts" are 27' and larger. Generally speaking yacht coverage is broader and more specialized because larger boats travel further and have more unique exposures.

What should I look for in a yacht policy?

There are two main section s of a yacht policy. Hull insurance is all risk direct damage coverage that creates a very broad insuring agreement. It will include agreed amount hull coverage, meaning all parties agree at the time the policy is written on the value of the vessel and that value will be paid in the event of a total loss.

A true yacht policy also includes replacement cost (new for old) coverage on partial losses, with the exception of sails, canvas, batteries, outboards and sometimes outdrives, which are depreciated. Protection and indemnity insurance is the broadest of all liability coverages, and because maritime law is unique, you will need coverages that are designed for those exposures. Such things as Harborworkers and Longshoreman's coverage and Jones Act (crew) coverage can be critical, as an uncovered loss in this area could run into hundreds of thousands of dollars. Besides providing payment of judgments against you, P&I also provides for your defense in Admiralty Courts.

Marine insurance covers a wide array of watercraft. You may be surprised to find what can be insured. Marine insurance policies include:

• Boat
• Personal Watercraft (PWC)
• YACHT - generally, vessels 26' and smaller are called "boats,” and "yachts" are 27' and larger. Yacht coverage tends to be broader and more specialized because larger boats travel farther and have more unique exposures.
• SAILBOAT
• DINGHY
• Boat & PWC Rental - Although this is generally not required, rental insurance will help cover any damage the vessel, as well as the operator and passengers.
• Boat Clubs - covers all members of club while operating a boat.
• Professional (ProAngler, Fishing Guides & Charters) - These policies are very customizable and can cover items like travel to a tournament, equipment and more.

Types of Boat Insurance Coverage

This will depend on the type of policy, but common coverage add-ons (in addition to basic ones above) include:

• Specialized Coverage: Coverage for something specific on your boat like an expensive prop or navigation equipment.
• Salvage: Coverage that pays to remove your boat due to damage, from substantial to minor.
• Consequential Damage: Covers a loss that was the result wear and tear rather than an accident (rot, mold, corrosion).
• Towing: Towing your boat across a body of water to safety can cost $400 per hour.
• Cruising Extension: You can get temporary, additional coverage if you plan on leaving the USA (typically to Mexico or the Bahamas).