boat insurance average cost
Boat Insurance

Lower the Cost of Boat Insurance With a Few Tips

One way to lower your boat insurance average cost is with proper maintenance and safety equipment. When you are safe on the water, you are less likely to file a claim. Fewer claims naturally result in lower rates. Here are some things to consider before you set sail.


A good boat owner has a checklist they follow every time they use the boat. The checklist includes a pre-departure, during the trip and a finished list of items to check, monitor and stock. Items can include everything from checking the oil filters and engine fluids to ensuring the battery is properly stored to the number of lifejackets on board. Following a prepared checklist ensures the boat is safe and secure throughout the trip.


In addition to your fishing gear, you want to stock a quality fire extinguisher, personal flotation devices, tools and an anchor. All equipment should be safely stored but accessible if needed. Depending on how long you plan to be on the water and the type of water, you may need additional supplies for a safe voyage.

Safety equipment and maintenance are only a few things that affect boat insurance average cost. Other factors depend on the land driving record of the drivers of the boat, the cost of the vessel and how often the boat is used. These tips can help you lower your risk and the overall costs of boat ownership.

Henry Henrynms (Author)