do i need boat insurance for a zodiac boat?
Its a 15 ft zodiac inflatable boat, with a 25 hp outboard motor. does this require insurance?
none of these answers in anyway answered my question…
here is the answer to your boat insurance question from the boat us site
“Q. Am I required by law to have insurance on my boat?
A. To the best of our knowledge there are no state or federal laws that require a boat owner to have insurance on a boat. However, if you have a loan using the boat as collateral the bank will require insurance coverage listing them as a loss payee to cover their interest in your boat. Some states may require that you carry liability coverage, so please check with your local law agencies to see if your state has any requirements. Also, most marinas will require that you maintain boat insurance in order to keep your boat at their facility.”
boat insurance can also protect you against loss due to theft and damage as well as liability due to accident or marine hazardous spills.
http://www.boatus.com/insurance/faq.asp#5
hope this helps
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