Boat Insurance

The Kentucky 2020 Sport Boat and Recreation Show

By Spencer Kilpatrick

Earlier this month, Kris and I got the chance to promote Castle Insurance at the 2020 Sport, Boat and Recreation show at Rupp Arena. The old adage, “Bust Out Another Thousand holds up”!

Many of the boats on display and for sale would be considered a serious investment for most people! While some might say “the best boat is your friend’s boat”, it was clear that many were considering or actually taking home the newest model over the weekend. And let’s be honest, what sounds better than a weekend on the lake with your family and closest friends? Before you hit the open water, you should ensure your asset is properly protected. 

Not unlike a sports car or motorcycle, boats can be a source of endless recreation, but are often overlooked as a liability. Before you hit the waves this year in your speedboat, jetski or pontoon, a routine review of your boater’s insurance should be on your checklist. Most boat owner’s policies do not provide the same medical benefits in an accident that you enjoy on your auto policy. 

Simply put, if you haven’t selected additional medical benefits, your passengers may be without coverage in an accident. And yes, boat accidents do happen! 

Here at Castle Insurance, we always recommend that anyone operating a boat takes a boater safety class to help identify dangerous situations that can arise on the waters. Most insurance carriers will give you a discount on your boat owner’s insurance if you receive training. Plus, it’s always smart to be prepared. 

Ensuring that your current policy has a proper amount of liability coverage, medical payments and trailer coverage is one thing that all boat owners must do. Here at Castle Insurance, we can provide a routine inspection of your insurance policy, much like you inspect your boat before your first trip to the lake. 

Keep the fun going on the lake by making sure you have proper protection.