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Facts about Boat Insurance and Registration

By Justin Foss


Registration process of a boat is different in every county throughout the US. Also,
registration depends on the boat type, and the place where one shall be using the boat.

If you are going to use boat in a public waterway, you need to check with your local boat
registrant. If you are using your boat in your own lake or pond for personal use, you will
probably not need to register it. Many types of boats (especially 10' and under) do not need
to be registered.

Who to register the boat with is another question. All counties have different rules n
regulations. Best way is to ask your state department of transportation or motor vehicle
division. Most states give a grace period of 30 days from the time you purchase to the time you
need to register it.

Most important document needed for the registration purpose is the sales receipt. Few
require a manufactures statement of origin, also known as MSO.

And finally, it goes without saying, a registration fee is required. Fees range from
a 10$ annually to value based percentage formula's.

Another important thing to be done after getting a boat is insuring it. Insuring a
boat is very necessary cause boat damages are inevitable in spite of all the care taken. Many
types of insurance policies are available. But, many states require the watercraft liability
insurance which covers the event of damage caused by your boat to another person of his
property.

One should insure the boat for its market value. They should insure the value of the
boat, not what is paid for it. They should also increase the coverage to reflect the increasing
value of the boat. One can also insure the boat for an agreed upon replacement value. The
higher the agreed replacement value of your boat, the higher will be the cost of the insurance
policy.

Boat insurance should cover both physical damage to your boat as well as accident
liability.

Physical damage insurance is usually called hull insurance, although it generally
covers the whole boat. These insurance policies also repair the boat with a deduction for
depreciation.

The limit of liability is based on whether or not the insured is legally required
to raise, remove or destroy the boat. Theft of the boat will not be covered by the policy if
the boat is off the residence premises. Liability may also provide coverage for legal
representation should it become essential from any incidents involving your boat.

With proper registration and well insured boat, one can happily boat without anything
to worry about and rejoice the moments..

About the author

Justin is the webmaster of the site http://www.boat-dealers.us on which he is currently working on.Boats are his passion and he is looking to make his site as complete resource site. On his leisure time he likes to listen music and reading books.
Article Source: http://EzineArticles.com/?expert=Justin_Foss

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