ERIE, Pa., May 23, 2018 /PRNewswire/ -- After a long
winter, boat enthusiasts are ready to get the boat out of storage
and hit the water. Before making waves, it's important to check
your boat and all your equipment. Even if your boat has been in a
protective shelter during the cold winter months, damage is still
possible. Some of the damages could be covered by boat
insurance.
"If you want protection for your own boat – including
permanently attached equipment, any boating equipment and
accessories, outboard motors and boat trailers – you need to carry
physical damage coverage. Routine maintenance is not covered under
your boat policy," says Dave
Freeman, vice president, Personal Lines and Regional
Underwriting Officer at Erie Insurance.
Erie Insurance offers coverage for your boat and provides
four tips to make sure it is ready for summer.
- Inspect the boat. Hoses and other rubber parts may be
affected by dry rot. Also, take a
look at all the metal surfaces and electrical areas for
corrosion.
- Check the fluid levels. Just like a car your boat needs
several fluids to run smoothly. Make sure your oil, power steering,
power trim, coolant and gear oil are all at satisfactory levels
before you head out.
- Test the battery. If your battery is more than four
years old, it's probably time for a replacement. Sailors for the
Sea recommend charging and checking for connection corrosion
at the beginning of the season.
- Pack your safety gear. Make sure your boat has all the
appropriate safety equipment on board. This includes life jackets,
fire extinguishers, visual distress signals, a bailer, an anchor, a
first aid kit, a flashlight and a bell or whistle. You should also
make sure to bring a fully charged cell phone with you whenever you
head out.
If you decide to pass on insuring your boat against damages,
experts still suggest a call your insurance agent.
"Boat owners should at a minimum carry liability insurance,
which covers them for any damage they may cause to someone's
property or if they cause an injury to someone else," says
Freeman.
Contact a local Erie Insurance agent to learn more or get a boat
insurance quote today.
About Erie Insurance
According to A.M. Best Company, Erie Insurance Group,
based in Erie, Pennsylvania,
is the 10th largest homeowners insurer and
11th largest automobile insurer in the United
States based on direct premiums written and the
16th largest property/casualty insurer in the
United States based on total lines net premium
written. The Group, rated A+ (Superior) by A.M. Best
Company, has more than 5 million policies in force and operates in
12 states and the District of Columbia. Erie Insurance
Group is a FORTUNE 500 company.
News releases and more information about Erie Insurance
Group are available at www.erieinsurance.com.
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SOURCE Erie Insurance