NH Boat Insurance & Boating safety tips

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If your NH boaters insurance is your “plan b”, consider these safety tips your “plan a”.  The goal is to avoid claims and exercise these techniques first. Claims can lead to an increased premium in the long run. Here at Noyes Insurance, we help our clients find loss control techniques that are realistic and will lend to affordable premiums into the future.

Try to keep losses at bay by using these safety tips on your water-related adventures.

General

Docking

Launching

New Hampshire Boating Safety and Compliance Resources:

New Hampshire Boater Safety Course

Boating in NH from New Hampshire Fish and Game

Official New Hampshire Boater Safety Handbook

New Hampshire Boating Laws & Rules on New Hampshire Department of Safety

New Hampshire State Boating Laws from the U.S. Coast Guard

Anytime you introduce something as unruly as water to a situation, there’s a chance for forces out of your control to cause unavoidable loss or damage. 

Make sure you, your family and your boat are protected by a NH Boat Insurance policy that provides the coverage outlined below.

Boaters Insurance Overview

A small boat, such as a canoe or other un-motorized boat, is typically covered under the personal property portion of your homeowner insurance policy. If you own a larger, faster boat, you’ll need a separate NH boaters insurance policy. A typical boatowners insurance policy is designed to protect your boat, motor, equipment, and passengers. It affords similar coverages to those you typically have for your car

Liability

Two principal liability coverages are included:

Personal Liability

A boatowners insurance policy provides protection for legal liability and pays, up to the limit of your policy, the legal obligations imposed upon you due to an accident resulting from the ownership, maintenance, or use of your watercraft, including bodily injury, property damage and legal defense.

Medical Payments

This pays medical expenses, up to the limits in the policy, including the insured’s boating-related medical expenses from an accident arising out of the ownership, maintenance or use of the boat.

Physical Damage

Physical damage coverage insures your boat, motor, boat trailer, boat equipment (anchors, oars, fuel tanks, life jackets, dinghies, tools, etc.) and other personal property against theft, accidental loss or damages.

Additional Coverage Options

For added protection, consider the following additional coverage options:

Reasonable Repairs: Covers repairs incurred to protect covered property from further damage.

Emergency Service: Pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.

Wreck Removal: Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law

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63 Main Street Plymouth, NH 03264

Phone: 603.536.1735 Toll Free: 800.527.1735

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