GETTING A HANDLE ON BOAT INSURANCE: FIVE BUYING TIPS

Understanding boat insurance can be challenging. It can be a confusing maze to many, but the smart boater can make the right insurance choice with these "Top Five Tips for Buying Boat Insurance" from BoatU.S., the nation's largest recreational boat owners association:

#5 Know thy insurer: Boat insurance can be "added on" to a homeowner's policy, purchased from an independent insurance agent or directly from a marine insurance specialist. Buying a policy through a reputable agent or directly from a marine insurer specialist is the best way to go. "Adding on" to your homeowners policy may seem to work just fine, but when there's a claim you will appreciate a company that knows more about boats than homes. Homeowner's policies often limit or don't provide some of the marine related coverages like salvage recovery.

Ask experienced boating friends for their insurance recommendations and check on the insurance

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