Many boaters find out too late that their boat isn't covered under their homeowner's policy, don't let your dreams sink along with your boat, protect it before you even launch it into the lake or ocean for the first time. No matter if you are a lifelong boater or new tot he hobby, The Estling Agency of Naples offers extensive coverage plans that will help protect the investment you've made into your boat, you and your passengers.
We would go boating every day if we could
Naples, Florida is one of the best recreational boating ares in the United States and many of are team are avid boaters. Boating is an escape and a way to get away and relax from the daily grind. Your boat has risks to it though, more than you may think and even more if you injure someone with it or damage their property.
Naples Boat Insurance Coverages provided
Physical Property Damage. An optional coverage would typically cover your boat, motor or trailer the time when you are storing, hauling or launching it in or out of water. In the event it's stolen, vandalized or suffers hail, wind, lighting, fire or explosion damage this coverage can help you. It will also cover emergency service ($100 limit), wreck removal and other boat equipment.
Watercraft Liability. In the event your boat causes damage to a dock or another person, this portion of the policy will cover it.
Uninsured Watercraft. An optional coverage would cover you if you're involved in an on-water hit-and-run or with an uninsured boater.
Personal Possessions. This part of the policy typically pays for the loss of any equipment on your boat, such as fishing tackle, water skis and wakeboards, and more.
Boat Equipment. Protect the investment you've made in boat accessories such as anchors, navigation gear and life jackets.
Up to $1,000 in Emergency Services. An additional coverage that will help cover towing or emergency services on your boat or trailer.
Boating Safety Tips
When You're Out ON the Water
- Following the basic safety rules can be a lifesaver, every experienced boater knows this.
- Be conscious of where you are currently and where you are going.
- Evaluate changing weather patterns and plan enough time to get to safety if needed.
- Avoid tunnel vision by scanning the horizon on a regular basis.
- Familiarize yourself with federal and state regulations, follow and abide by them.
- When driving a jet ski be aware you are less visible then larger boats.
Practice safe boating in rough weather.
- If you get caught out on the water while a storm rolls in, will you be prepared with a plan of action?
- Every passenger, including yourself, should put on their personal flotation device (PFD) and sit in the bottom of the boat nearest the centerline.
- Don't stop completely, slow the boat down though.
- Keep all bilge pumps running.
- Turn the boat's running lights on.
- Approach waves at a 45-degree angle.
- Head for any nearby shore if available.
- In the event the boat engine dies trail the anchor from the bow so the boat will keep heading into the waves.
- If need be, anchor the boat completely.
- Even if you are only a few hundred feet from shore, you're further from help then you may realize. Follow the guidelines and always play it safe but don't stop there. Utilize resources like the U.S.Coast Guard Auxiliary and the United States Power Squadrons to learn as much about boating and boat safety as you can. Doing so could make you eligible for specific discounts.
Before You Raise Anchor
- Take care of your personal watercraft, engine and safety equipment while the craft is docked will result in smoother sailing when you head for open waters.
- Do a full check-up starting at the bow and going to stern. Check and test everything, including the lights, radio, steering, gauges and fuel level, bilge pump and lastly the anchor.
- Ensure that you have the proper safety equipment on board and that it's in good working order and you and all passengers know how to properly use it.
- File a float plan with a relative or trusted friend.
- Learn all aspects of your boat and be familiar and comfortable with it, how it handles and where everything is located so there won't be any surprises when you're out on the water.
- Check, recheck and continue to monitor the weather forecast
- Ensure that you have enough personal flotation devices for all your passengers, that they fit and work properly.
- Find more safety tips and maintenance information on the U.S. Coast Guard website.
Please Call Us Today: 239-594-9567
Serving: Naples, Fort Myers, Bonita, Estero, Marco Island