Category: Boat/Watercraft Insurance

Being a boat owner entails ample responsibilities, most notably ensuring the safety of your prized possession and its occupants. Accidents can happen, and being found at fault can lead to significant financial implications. The solution? A comprehensive boat insurance plan.

The Risk of Boating Accidents

Accidents on water don’t require blistering speeds to be severe. Two stationary boats colliding can lead to significant damage. And if found culpable, you’ll have to shoulder the cost of medical treatment and potential property repair for the other party. Safeguarding against these daunting costs becomes possible with dual liability coverage for bodily injury and property damage.

Additional Coverages to Consider

Your policy can be buttressed with collision protection, which pays for any damage to your boat resulting from an accident. Without this, you may face hefty repair charges or lose your boat entirely. Furthermore, comprehensive coverage can protect your vessel when parked on land, making it a highly recommended addition for every boat owner.

Invest in Boat Insurance for Your Peace of Mind

Adequate insurance dampens the looming threats of accidents or potential mishaps, ensuring every voyage is worry-free. If you need boat insurance, we invite you to contact us at The Morrow Insurance Agency in Mesa, AZ. Let’s get you started on your journey to secure sailing.

When it comes to being safe and prepared on the open waters, it’s essential that you have the right gear. Whether you’re headed out for a day cruise or an extended voyage here in the Mesa, AZ area or anywhere, having the right equipment can make all the difference in your boating experience.

Here are some of the must-have items we at The Morrow Insurance Agency think you should keep on your boat:

Life Jackets:

Life jackets should be worn by all passengers while underway and kept handy in case of emergencies. It’s also important to check expiration dates and sizes for a proper fit. 

Anchor & Line:

Keeping an anchor onboard is essential for anchoring your boat in times of bad weather or when you need to take a break from sailing. Don’t forget to keep an extra line handy in case of any unexpected issues with the anchor line. 

Navigation Equipment:

Having a compass, GPS, and nautical charts will help you find your way if you get lost at sea. It’s also important to bring along flares or other signaling devices so that you can alert people nearby if necessary. 

Emergency Supplies:

In case of an emergency situation, having supplies such as a first aid kit, fire extinguisher, flashlights, spare batteries, and water purification tablets can help make life easier until help arrives. 

VHF Radio:

Having a two-way radio onboard is essential for communicating with other vessels or land bases when cell phones don’t work offshore. It’s also necessary if there is an emergency situation and help needs to be called. 

Reach Out To Us

With these items aboard your boat, you’ll be well-equipped for whatever journey lies ahead! For more tips, give us at The Morrow Insurance Agency a call today. We serve the Mesa, AZ area.

Boating is a favorite community pastime, whether relaxing on the water, fishing, or enjoying water sports — but it comes with risks. To best understand boating accidents, The Morrow Insurance Agency in Mesa, AZ has compiled the top risk factors. Be aware of these risks when on the water as listed by the Arizona Game & Fish Department’s frequent contributing factors to boating accidents and casualties.

Risk Factors in Boat Accidents

Accidents can happen when boating despite your best efforts, but there are many ways you can lessen these risks. Take preventative action to avoid these common complaints, and make sure you have a strong boater’s insurance policy that covers the rest.

• Avoid excess alcohol use or drug use that can impair boat operation
• Get educated on boat operations and how to pay attention to both risks and navigational aids. Learn the local laws and consider a boater’s safety course.
• Avoid boating in hazardous waters such as strong currents or areas with restricted vision (e.g., fog)
• Ensure your boat is in proper working order at all times, including motors, navigation lights, and safety gear 
• Practice safe docking with proper anchoring of the boat, storage and loading of gear, and onboarding of passengers
• Drive safely. Don’t speed, jump wakes, add passengers to the gunwale or perform other daring maneuvers.
• Follow boating traffic regulations when entering and leaving dock space.
• Register and insure your boat according to local Arizona laws. Consider both legal liability and also property damage coverage.

Get Boat Insurance Today

Understanding the risks can help prevent future accidents. The Morrow Insurance Agency serving Mesa, AZ is here to help safeguard your family in the event of a boating accident. Contact us today!