There is nothing like the feeling of being out of a boat. The freedom of the water surrounding you, the wind against your face. It is a vacation all its own.

And this summer, that freedom is probably calling you right now – a respite from the Louisiana heat and humidity.

But, when it comes to your boat, do you know the proper way to insure it?

It’s easy to feel a bit like a fish-out-of-water when it comes to boat insurance. It’s not a house – a permanent structure – and it’s not a car – something you use daily. The truth is, it kind of falls in between, depending on what type of boat you have. Your small recreational boat insurance might look a little bit like buying auto insurance, and your large yacht insurance might closely resemble that of homeowners.

Five Things To Consider With Your Boat Insurance

1. Buy The Right Insurance

Don’t buy a policy that covers a yacht when all you have is a row boat! Make sure you are buying the right policy for the right type of boat you have.

2. Don’t Skimp On Safety Feature

Many boat insurance underwriters will offer discounts based on added safety features and gadgets. Add them! Not only does this protect your investment, but it protects your most precious possessions – your friends and family!

3. Learn The Right Way

A boating safety and training class helps you in the long term in so many ways. The obvious benefit is the actual learning of the safety and training tips, but the added benefit comes in when you attend a discount-qualifying class. This pays off in long run with your insurance policy.

4. Extend the Off Period

Many policies will have a discount during the ‘off’ months. Make sure you ask you insurer about premium discounts.

5. Talk To An Expert

It is so easy to become overwhelmed when it comes to your boat insurance. Make sure you have the right coverage with the right agency and the right expert. At Henry Insurance Service, the insurance experts are here to help you find the right boat insurance for all of your boating needs.

We recognize that when it comes to protecting your watercraft, one size does not fit all. Therefore we represent numerous leading insurance companies, and those alliances, along with our dedicated and experienced staff, guarantee that we can tailor an insurance program to fit your individual needs and allow you to make the most informed and cost-effective insurance decisions possible.

You’ll enjoy the water ever more when you’re not worried about the safety of yourself, your passengers or your investment.