Boat Insurance: Just as Important as Car Insurance

Metairie Boat Insurance

Boat Insurance: Just as Important as Car Insurance

Boat owners often make the mistake of thinking they don’t need any additional protection on the water. This thinking is especially true if they are experienced and have a safe track record on the water. The truth is that boat insurance is just as necessary as car insurance. You are more at risk on the water due to the number of uninsured boaters. No matter how experienced you are, it’s impossible to protect yourself against careless and inexperienced boaters or nature.

When you are not at fault in a car accident, you could turn to the other driver’s insurance policy to provide coverage. If there is any confusion or a dispute regarding coverage, you can always fall back on your automobile insurance to cover the damages. It is not required to carry boat insurance like it is with car insurance. However, not having watercraft coverage could leave you with an inoperable boat and a hefty repair bill.

After the slew of hurricanes this past year, many boats were destroyed. The best way to decide how much liability coverage you need is to ask yourself this question: how much do I need to feel completely protected? On average, most boat owners end up choosing more than a $300,000 liability.

Remember that your boating experience is one of the many factors used for rating purposes. The less boating experience you have, the fewer carriers will be able to trust your ability to operate and navigate a vessel safely. If you are a first-time boat owner and have little to no boating experience, then it is in your best interest to choose a smaller vessel.

AWS wants you to stay afloat in case of peril. If you are thinking about purchasing coverage for your vessel, speak to one of our experienced insurance agents, your Metairie boat insurance agents. That way, even when the tide is high, you will hold on.

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Melinda Martin

Account Executive

Melinda began her insurance career in 1985 with Alexander & Alexander where she received her Property & Casualty and Life & Health license. Since then she has worked at various agencies in the New Orleans area and in California as a senior account manager for Employee Benefit Plans.  While in California, she was also the Membership Director for the Burbank Chamber of Commerce. Melinda joined the AWS team in July of 2015.

Michael A. Seeling

Vice President

Graduated from the University of Louisiana at Lafayette with a B.A. in Insurance Risk Management and is a graduate of Archbishop Rummel High School in New Orleans. He joined AWS in October of 2008 and has been awarded the Patient Protection and Affordable Care Act Certification (PPACA). Additionally, he is working towards his Certified Insurance Counselor (CIC), Registered Health Underwriter (RHU), and Registered Employee Benefits Consultant (REBC) designations. He is also a member of the National Association of Health Underwriters (NAHU), National Association of Insurance Financial Advisors (NAIFA), and is an active member of the Fore!Kids foundation.