Fishing Boat Insurance – Bass Boats

Our Fishing Boat Insurance program policy is designed for your bass-boat type pleasure and professional watercraft of lengths usually less than 25’ and typically in the 17-23’ range.  Fishing and Bass boats usually are outfitted with outboard motors and there the horse power to length ratio is high so that the fishermen can quickly transit to new fishing areas.  These boats have storage areas for tackle, poles, reels, lures, line and other apparatus and usually have platform swivel seating for visibility, easier navigation and operation, and easy casting.  Live-wells, electronics, and low power trolling motors are common (under most circumstances).  Our underwriters are careful to consider boats outfitted with excessive engine horsepower as ineligible when the engine power is in excess of the manufacturer guidelines.  Professional and semi-professional boats are carefully underwritten.

Fishing Boat Insurance coverage is provided on competitive terms and at the lowest possible price from among many carriers. Fishing Boat Insurance is for small to medium watercraft that do not have a cabin areas.   Coverage for fishing boats is sometimes provided within homeowner insurance policies when the boats are under 27′ in length which takes in most bass-type fishing boats.  Fishing Boat Insurance may not fit under homeowner policies because most fishing boats have motors of greater than 50 HP and the 27’ or less and 50 HP limit is typical of many homeowner policies.

There are a number of coverage endorsements that can be provided to specifically tailor coverage to your Fishing Boat Insurance requirements.  Fishing Boat Insurance policies are unique from one carrier to another so it is not necessarily easy to compare one Fishing Boat Insurance policy to the policy of another carrier.  However, there are many common features and endorsements and these are some of them:

Fishing Boat Insurance – Policy Features

• Agreed Value Loss Settlement (Most Carriers when endorsed)
  • Actual Cash Value is the standard coverage
• Vanishing Deductible
• Waiver of Depreciation
• Hurricane Emergency Haul Out Expense
• Replacement Cost for Total Loss
• Wreckage Removal
• Fuel Spill Liability
• Small Boat Insurance Underwriting Considerations

Fishing Boat Insurance – Available Discounts

• Multi-Unit (More than one boat insured)
• Multi-Policy (Certain Carriers)
• Lay-up period (when boat is stored)
• Advance Quote Discount
• Boater Association Discount
• Original Owner Discount (Some Companies)
• Paid in Full Discount
• Prior Insurance/Transfer Insurance Discount
• Protective Device Discount
• Boating Safety Course
• Claims and Violation Free Discount
• Transfer Discounts
• Accident Forgiveness – Small Claim Forgiveness (Some Companies)
• Credit Based Discounts using Credit Score
• EFT Payment Method Discount
• Age of Insured Discount
• Affinity and Alliance Discount

Fishing Boat Insurance Coverage Endorsements

• Water Sports or Skier endorsement (not common)
• Pet Injury Coverage (Some Carriers)
• Fishing Equipment Coverage
• Depreciation Deferral (When Option Chosen)
• Uninsured Boaters Coverage
• Personal Effects Replacement Cost
• Boater Towing & Assistance
• Trailer Trip Interruption Coverage
• Coverage for Trailers
• Propulsion Breakdown Coverage (Some Companies)
• Extended Coastal Navigation up to 125 miles
• Mexico Physical Damage Coverage
• Bahamas Waters Coverage (22 deg 50′ North latitude)
• Boat Lift/Cradle/Hoist up to $2,000
• Trip Interruption
• Tournament Fee Reimbursement
• Uninsured – Underinsured Boater Liability

Agent Information for Fishing Boat Insurance

Insurance Associates Agency Inc. is licensed in Ohio and Michigan for multiple lines of insurance.  The principle agent is Terry McCarthy.  Terry has spent much of his life within an hour or two of the Great Lakes in Michigan and Ohio.  Having been around boats all his life he is uniquely qualified to assist you in finding Fishing Boat Insurance for your present or soon-to-be-acquired new watercraft.  Whether you find the allure of a peaceful weekend or early morning fishing on your small boat, time on a boat is a reward for working hard every day.  In the Midwest we are blessed with great natural resources for boating and recreation and Terry stands ready to assist you in you in finding Fishing Boat Insurance and is able to answer your questions and insurance needs.  You can reach Terry Monday through Friday, from 9-5 most days for your questions by calling (513) 779-7920.  Other hours are available by appointment, and of course, Terry is available 24 hours a day for emergencies.  The office address is 8114 Paul Manors Dr., West Chester, OH  45069.  Toll free:  (800)823-9643