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Row, row, row your Boat Insurance

When you think about Boat Insurance, what’s the first type of loss that comes to mind?

Sinking, of course. And this happens, probably more often than people realize. I was once told by an Ocean Marine guy at one of my companies that one cargo ship goes down, on average, every day somewhere in the world. I also have a close friend whose 28 foot Thompson sank AT THE DOCK. And this occurred because of a faulty .75 cent hose clamp.

The sea is a wild and wooly place. In February of 2010, a friend from our local firehouse was on board the S.V. Concordia when a sudden vertical wind blast capsized this beautiful ship. Luckily all those on board survived, but not before having to spend 40 hours in life boats. Click the picture for the story. It’s quite the tale.

After the recent hurricane blew through our area, we happened to head down to Calf Pasture Beach in Norwalk, Connecticut in search of a car show. The show had been cancelled, but we did get some pictures of these boats, on land, that had suffered from some other perils that many boat owners might not take into consideration.

Pretty obvious. This is a total loss by fire here. Boat fires can happen on land or on the water. We can’t know where this one occurred.

I think the wind got  hold of this sailboat, and not in the positive, life affirming way its owner was planning on.

We’ve insured some of our customers boats for many years, with no incident. However, some of the claims we have seen include a dinghy floating out to sea, a $150,000 boat washed away by a storm and found later on the shoreline of an island, and something as simple as a sea tow.

These crafts often are a big investment, financially. They can also be a very important part of a lifestyle and the source of much enjoyment for their owners. When things go awry, I want to be able to tell someone they are covered. Hey, that’s what I do. I insure boats. 🙂

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Avalon Agency
70 Westchester Ave.
Pound Ridge, NY 10576