Statistics regarding claims for boat insurance in Salem OH reveal that over 30% were related to collisions, which are by far the costliest and most frequent type.
The vast majority of claims reported, however, involved sailing craft which indicates how motorboats and powerboats are far less likely to be involved in collisions. While motor boaters reported fewer claims on the whole, there are still specific risks to be aware of and steps you can take to reduce the likelihood of filing a claim on your boat insurance policy in Salem OH.
1. Weather Damage: The weather can pose numerous dangers for boats on the water and when left out in the open. If you keep your boat at a marina, it’s generally less vulnerable and sheltered from the worst conditions. It’s certainly wise to store sails rather than leaving them furled as well as checking your lines in the event of a weather warning.
Cold snaps can cause substantial damage to engines. It is therefore considered wise to winterize them in accordance with manufacturers’ recommendations to ensure sufficient protection against frost damage.
In severe storms, lightning strikes can disable or short-circuit on board electrics. This can lead to fire in extreme cases, so it’s always worth keeping fire safety in mind and making sure that your fire extinguishers are well-maintained. There’s little you can do (except get to safety) if you’re unlucky enough to encounter this kind of weather, but that’s why you have boat insurance in Salem OH.
2. Striking underwater objects. There is nothing more depressing than catching a propeller on an underwater hazard. Installing a GPS unit, reviewing paper charts and talking to local fishermen or other boaters when sailing through unfamiliar waterways can help avoid propeller and hull damage.
Monitoring the current in front of the boat also helps as a sharp change in the current’s direction may be an indication that something – such as sandbars – lie just beneath the surface.
3. Theft: If an outboard engine can be removed easily, it’s an open target for thieves. There is no entitlement to a new-for-old settlement, so it is essential to ensure that outboard motors are secured against theft and if possible, taken home and locked away.
It is also a good idea to remove all personal items from your boat and store them in a safe environment. By doing so, you will also make your boat less attractive to thieves. There can also be a requirement under certain policies for personal effects to be removed from the craft during the policy’s winter lay-up period.
4. Collisions: Waterways are busier in the summer, so it pays to be on the lookout when sailing or driving a motorboat, and to plan your movements in good time. If you are on the water when a race is taking place, expect participants to tack more frequently and plan accordingly.
Collisions with third parties are common, so you should pay particular attention to the rules of the water. Although you might have the right of way, for example, everyone is responsible for avoiding a collision.
5. Cradles and trailers: Most policies will insist that cradles and trailers are fit for purpose and it’s recommended that you undertake a thorough examination before they are put back into use after being left inactive for long periods of time.
If you are involved in an accident, being protected by the right boat insurance in Salem OH is paramount. We know accidents happen and whether it is a broken propeller or a more serious accident, we are here to help you get back on the water safely. For a boat quote proposal, contact our office at 330-337-9557 today.