Boat Insurance

boatEveryone at Slade & Collins is an avid boater, so we know what you need and how to get it for the best price. We have several markets for insuring boats of all sizes and styles including houseboats.
Give us a call so we can get to work for you!

Safeco® Watercraft vs. the competition
Check out the comparison chart below to see why.

Most companies’ base policy
-Actual cash value (ACV) coverage
-Has internal policy limits for wreckage removal and fuel spill coverage
-Requires that all other coverages be endorsed at additional premium

Safeco’s base policy
-Settles total losses at agreed value
-Includes coverage for fuel spill and wreckage removal at the limit of liability
-Includes personal effects coverage for fishing gear and other personal property up to $750
-Includes up to $500 for on-water towing and labor costs
-Automatically covers items like water skis, safety equipment and marine electronics up to 10% of the insured hull value with unattached equipment coverage
-Even covers pets in a boating accident

Boating Safety Tips
Think Ahead and Be Prepared

Make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease.
Carry a fire extinguisher and keep it charged.
Have your boat’s operating systems checked at least once a year by a certified marine technician.
Get a vessel safety check from the U.S. Coast Guard Auxiliary or United States Power Squadrons.
Follow our Boat Maintenance Tips.

Take a Safety Class

According to the U.S. Coast Guard, 89 percent of reported fatalities in 2011 happened on boats where the driver had not received boating safety training. Make sure anyone who drives your boat is properly trained. You also can save up to 15 percent on your boat policy by completing a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Wear Life Jackets

It’s not enough to just have life jackets on board. You and your passengers must wear them. The U.S. Coast Guard reported in 2011 that drowning accounts for 70 percent of all boating fatalities; and in those cases, 84 percent of victims were not wearing a life jacket. New lighter, more comfortable and attractive life jackets are available today, making it even easier to get passengers to suit up.

Prevent Carbon Monoxide Poisoning

Turn off your engine when there are people in the water, especially when they’re using the rear swimming deck of your boat. Teak surfing, or holding onto the back deck of a boat while it’s moving, can expose people in the water to dangerous and even fatal levels of carbon monoxide. Carbon monoxide gas is colorless and odorless. A swimmer exposed to carbon monoxide from your engine could pass out and drown before anyone notices. You can install a carbon monoxide detector on your boat for less than $100.

Don’t Drink and Boat

More than half of boating-related deaths involve the use of alcohol or drugs. The U.S. Coast Guard conducted a Boating Under the Influence (BUI) study and the results showed that a boat operator is likely to become impaired more quickly than a car driver, drink for drink. A BUI conviction can result in a fine, imprisonment, or both. In addition, some states will revoke your driver’s license if you are apprehended for boating while intoxicated. Never operate or ride a watercraft while under the influence of alcohol or drugs.