Boat Insurance

First Hybrid Boat & Yacht Insurance Discount from Travelers

Paul Fisher Insurance Services Now Offers First Hybrid Boat & Yacht Insurance Discount from Travelers
Innovative boats need innovative insurance – Paul Fisher Insurance Services offers up to 10 percent discount* for hybrid vessels through Travelers

Paul Fisher Insurance Services and Travelers (NYSE: TRV) are staying in-synch with boaters by today announcing an innovative, industry-first discount of up to 10 percent on hybrid boat and yacht insurance. Now, more than ever, boaters are looking for ways to improve fuel economy and reduce their impact on the environment without sacrificing speed. As a result, hybrid powered boats are starting to enter the market.
The marine industry has responded to consumer demands for efficiency with new technology and hybrid powerboats fully capable of delivering the performance most boaters expect. Hybrid boats allow the operator to utilize electric propulsion at low speeds to minimize or eliminate emissions and fuel consumption. However, hybrid powered boats can generate the horsepower needed to reach higher speeds with the internal combustion engine.
“The marine industry has delivered hybrid powered vessels that use the latest, state-of-the-art technology while reducing fuel consumption,” said Paul, owner for Paul Fisher Insurance Services. “Paul Fisher Insurance and Travelers, closely follow the newest developments in boating to meet our customers needs with the best marine insurance products and services.”
Recently, various highly regarded manufacturers in the marine industry have introduced their versions of hybrid boats to the marketplace. The Hinckley Company offers a hybrid power option for customers interested in its DS42 model, Scout Boats launched a hybrid model in late 2007, Frauscher Bootswerft introduced its hybrid to the United States in May 2008 and the Island Pilot DSe Hybrid will make its debut at the 2008 Fort Lauderdale Boat Show. Steyr Motors, which powers the Frauscher vessels, markets its hybrid engine as the “world’s first serial hybrid propulsion system for pleasure boats.” In addition, other large production manufacturers are reportedly researching hybrid propulsion and developing prototypes to include in their lineup of boats.
“Travelers solid understanding of the functionality and operation of hybrid boats enables our agency to best serve our customers,” said Paul. “Travelers completed extensive research that suggests boat manufacturers will begin offering hybrid models to provide a hybrid option similar to what’s taking place in the automotive industry.”
A hybrid boat is specifically designed to reduce greenhouse gas emissions and to conserve fossil fuels in comparison to the typical gasoline or diesel only powered boats. Travelers defines a hybrid boat as one that utilizes an integrated propulsion system that incorporates both an internal combustion engine and an electric motor in its original design. In this system, forward propulsion can be accomplished with the use of the electric motor with or without the use of the internal combustion engine.
Travelers continuously seeks ways to enhance existing products and develop new insurance solutions and services to address the impacts of changing climate and encourage environmentally friendly behavior. Travelers was the first insurance company to deliver a national hybrid auto insurance discount, as well as the first to deliver an insurance discount to electric boat owners. The company also provides business insurance products for environmentally focused commercial customers.
For more information contact [NAME OF AGENCY] or visit www.travelers.com.
Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. Travelers understands that life and business are inherently dynamic and that the best way to serve customers is to deliver insurance in-synch with evolving risks. The company’s diverse business lines offer its global customers a wide range of coverage in the auto, home and business settings. Travelers is a Fortune 100 company, with 2007 revenues of approximately $26 billion. The company has more than 33,000 employees. For more information on being in-synch, visit www.travelers.com.

*A discount of up to 10% applies only to certain coverages. The discount may not be available in all states and is subject to individual eligibility.

Boat Tips for Spring/Summer 2011

Paul Fisher Insurance Services advises boaters to take necessary precautions to be safe during the summer season, the time of year when boat accident claims increase in frequency by 45 percent, according to a recent analysis of claims incidence at Travelers, a leading provider of boat and yacht insurance.
“Substantially more people are on the water during the summer, so that is the time boaters should be extra careful to protect their family, friends and watercraft from a loss,” said Paul Fisher of Paul Fisher Insurance Services. “It’s also a good time to review your boat and yacht insurance with an independent agent to be sure you have adequate coverage.”
Paul Fisher Insurance Services recommends the following boat safety tips:
• Wear a life jacket: 80 percent of drowning victims were not wearing a PFD (Personal Flotation Device) or life jacket. Most states require that children under a certain age wear a life jacket and that every boat be equipped with one life jacket per passenger.
• Take a boating course: Even if your state does not mandate the completion of a boating course prior to obtaining your boating license, both you and your passengers will benefit from a formalized course. To learn more about boating safety classes, visit www.cgaux.org/cgauxweb/classes/master.shtml.
• Schedule a vessel safety check: The Coast Guard auxiliary offers free safety checks. For more information, visit www.vesselsafetycheck.org/getvsc or call 1-800-368-5647.
• Equip your boat with an emergency kit and be familiar with how to use each of the items. Travelers recommends including the following: fire extinguisher, first aid kit, visual distress signal and/or a Coast Guard-approved throwable PFD, such as a life ring or a horseshoe. Organize an emergency plan and make sure that passengers are familiar with it. Remember to test equipment and be knowledgeable of the suggested guidelines for usage and replacement.
• Be prepared for the weather: Check the weather forecast before going on the water and be equipped for changes.
• Know where you are: The Coast Guard recommends having charts, a GPS (Global Positioning System) and a reliable means of communication on board.
• Know how to contact the Coast Guard: Marine radio is the preferred method to communicate on the water because it broadcasts to other boaters in the vicinity. If using a cell phone on the water, test it for a maritime emergency by dialing *CG (*24). There is no charge or penalty for calling to test the signal.
• Do not drink and drive: According to the Coast Guard, a boat operator with a blood alcohol level of .10 percent is 10 times more likely to be killed in a boating accident than a boat operator with a blood alcohol level of zero. Operating a boat while drinking is illegal in several states. Remember that the effects of alcohol are exacerbated when combined with sun exposure and being on the water.
Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Spring Maintenance Tips to Protect Your Home

A home is one of life’s most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, Paul Fisher Insurance Services and Travelers, a leading provider of auto and homeowners insurance, offer these maintenance tips to prepare your home for warmer weather and to keep it safe year-round:

• Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
• Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
• Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
• Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
• Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
• Have your air conditioning system inspected by a professional as recommended by the manufacturer.
• Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
• Check your water heater for leaks and corrosion, and keep surrounding area clear.
• Clean and/or replace your furnace filter.
• Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
• Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
• In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself. Instead, call your power company to request assistance.
• Safely store oil and gas for lawn equipment and tools in a vented, secured area.
• Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.

Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Home, Life, Equipment Leasing, Business Owners Insurance, Wedding Protection, Special Occasion Protection, and much more!

For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Car Insurance Claim

Car Insurance Claim on wiseGEEK:

* If you are found guilty of violating the state financial responsibility laws concerning car insurance, you may find it much more difficult to obtain affordable coverage in the future.

* Even if no immediate emergency medical assistance was required, you may still want to go to the hospital for an evaluation, as car accident injuries such as whiplash may not present immediately but could show up several days later. To pay out the car accident claim, the car insurance companies will want to investigate the traffic accident and determine liability.

via Car Insurance Claim.

Insurance Tips For New Home Owners

If you have just bought your very first home, you are probably unaware of how your purchase has affected your insurance profile and that you need to review your existing insurance cover. In fact, even upgrading from a small, cheap house to a larger family home will impact on your insurance. Most people think that adding some form of homeowners insurance is all that is needed when purchasing a new home. While the addition of a homeowner’s policy is by far the biggest change, your other insurance policies will most likely need to be reviewed too. The following are some of the more prominent policies you may need to revise.

Homeowner’s insurance

If you successfully applied for a home loan, your bank will have required that you take out a homeowner’s insurance policy. The questions that you need to ask yourself are did I get sufficient cover and did I shop around for the best deals?

When analyzing your coverage needs, your assessment needs to be based not only on what is required by your bank, but also on the actual value of the property. Banks often pressurize you to take whatever insurance policy they put in front of you. Except for a few conniving banks, taking the bank’s own cover is not mandatory. This means that you have the option of shopping around for better insurance.

Car insurance

If you just bought a house, your marital status may have changed. If this is the case, then congratulations! You may be eligible for a lower premium as marital status affects your risk profile. Married couples are considered a lower insurance risk by insurance companies. You may also want to cover both your and your spouse’s cars under one policy. This should work out much cheaper than having two separate vehicle insurance policies. You may even want to go one step further and combine your vehicle and homeowner’s policy to get even cheaper premiums. Lastly, it is essential that you update your car insurance policy as your change of address will also affect your policy. This is essential because should you need to claim due to theft from your new home and you have not updated your policy, your claim might be turned down.

Disability and life insurance

If you were to become disabled or unable to work due to an accident or disease, your mortgage will still need to be paid. Disability cover will pay you a monthly benefit if this happens which could very well save you from financial ruin until you are able to work again. Similarly, life insurance will help pay off your debts and perhaps even the mortgage on your home should you pass away. If you are the breadwinner in your family, this type of cover is essential.

Purchasing a new home can be a very exciting experience, but it is important that you remember to review all your insurance policies to make sure that you and your loved ones are adequately covered. If you are unsure of where to start contact your insurance broker and without a doubt, shop around for the best insurance deals!

via Insurance Tips For New Home Owners.

An Essential Guide For Boat Insurance

As a boat owner or someone who aspires to be one, it is vital to understand the differences between car and boat insurance. Like car insurance the quotes you will receive for boat insurance will be based around a variety factors. Finding cheap boat insurance will depend on the age of the boat, the mooring location and other factors.

Boat insurance is more complex than car insurance as the factors are also related to the type of boating you may do. So on top of the boat’s age and mooring location the insurance company will need to know the length of the boat, the type of boat as to whether it is a sail or power boat and what kind of navigation you will do. Additionally how high a deductible you use is an important consideration for the insurance cost.

In order to get cheap boat insurance you will need to consider accepting a higher deductible, installing safety devices including a fire extinguishing system, reducing your area of navigation and making sure that the boat insurance policy provides for lay-up periods which are the times that your boat will be out of water.

The core elements of a boat insurance policy cover both physical damage coverage and liability coverage. The physical damage coverage reimburses for any damage to the boat itself or its machinery. Here the choice is whether to go for an all risk policy or not. Although you may wish to find the cheapest boat insurance of course you do not want to be left out of pocket if an incident occurs. If at the outset you do not choose all risk and exclude aspects such as wind storms or collisions with dock then you would not be covered and these types of damage could be quite expensive. Therefore it is advisable to choose the all risk option.

The liability damage is the part of the boat insurance which covers legal obligations to third parties in the case of loss, injury or damage to their property. This is relatively straightforward whereas the physical damage coverage has the added ingredient of being settled in the event of a claim based on either agreed value or actual cash value.

The actual cash value would take into account depreciation as well as the condition of the boat at the time of loss. This option provides less cover but should mean a cheaper boat insurance quote. Whereas the agreed value means that you will be reimbursed for the amount listed on the policy if there was a total loss of the boat.

Other additional covers that apply to marine insurance are uninsured boater, towing and assistance, personal property and medical payments. Uninsured boater comes into play if you or your passengers sustain injury due to a boat owner who does not have liability insurance. Towing and assistance will pay for emergency assistance such as towing, or emergency repairs or fuel delivery at sea. Personal property covers the loss of personal effects including fishing gear. Medical payments cover your first aid, hospital bills and ambulance for you and your passengers.

In trying to find cheap boat insurance remember to weigh up the expenses if there is an emergency, if you cut out some aspects of the cover and also think about your peace of mind.

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Jackie de Burca has put together this essential guide for boat insurance. It discusses how to get cheap boat insurance but what to look out for in the cheapest boat insurance. She advises to calculate carefully the cost implications in the future which could happen by cutting corners and choosing the cheapest boat insurance. http://www.arthursavage.co.uk/boat-insurance.html

via An Essential Guide For Boat Insurance.

Definition of Bodily Injury – Law – Personal Injury

Definition of “bodily injury”

A quick check on the Internet leads to many sites that provide definitions about injuries. However, the only definition that counts after you’ve been in an auto accident is the one listed in your auto insurance policy.

Check your auto insurance policy

Here are a couple of examples of General Definitions taken directly from auto insurance policies:

* Bodily injury means bodily injury to a person, including resultant sickness, disease or death.

* Bodily injury means any bodily injury, sickness, disease or death sustained by any person.

Bodily injury refers to injuries sustained

There you have it. Bodily injury is damage to your body that may show up now or later as injuries, illnesses, diseases, or even death. Bodily injuries are specific to something that happens to you that results in damage. Those injuries can be to the body, mind, or emotions, as opposed to an injury to property.

The most common forms of bodily injury are injuries to the neck and back (commonly called whiplash) or simply bumps and bruises.

Insurance companies may refer to underlying injuries as soft tissue damage. More significant injuries affect the limbs, brain and head, or spinal cord, and can cause a lifetime of damages. Here you will require Vancouver WA Personal Injury Lawyer to fight for justice by providing enough proof.

Reaction at the scene of an accident

At the scene of an accident, the adrenaline kicks in. Your body’s natural reaction is “fight or flight”, and most people are just scared and shook up, not always aware of what could be serious injuries.

So when you suffer bodily injury, protect your rights by the words you use. Instead of saying, “I’m fine,” just say something like, “I’m not sure… it’s all so sudden.” After all, how can you really tell in the rush of that moment?

Damages may not be visible

The thing that most people may not realize until later is that physical damage may not be readily apparent. Even broken bones might not be noticeable. In cases of whiplash, there may be no bruises or scraping, but the ligaments, connective tissues, and muscles may have been stretched and snapped to the point of damage that is not immediately evident. Such injuries may not be identified without an x-ray, MRI, CAT scan, or other diagnostic tools.

So what is personal injury?

The term “personal injury” is often used by victims to find an attorney who specializes in such cases, as our office does. Think of personal injury as an “umbrella” term that covers not only your bodily injuries, but other damages as well.

Educate yourself about your rights in an auto accident

Everyone deserves to find out if they have a claim. It’s better to learn about your rights sooner than later, though. For example, even in a simple conversation with an insurance company, you may say things that later might make it difficult to reach a favorable settlement. That is true whether you are talking with your own insurance company of the one that represents the other driver.

It’s better to consult with our offices immediately after the accident, to protect your rights and make sure you see medical providers who truly care about your injuries and are careful to document their findings.

My next blog will discuss some of the damages other than bodily injury that can affect your claim.

via Definition of Bodily Injury – Law – Personal Injury.

Understanding the various types of property-related insurance and owner builder insurance

Understanding the various types of property-related insurance and owner builder insurance

Article Submitted by: Abhishek Mishra

Friday, 03 April 2009

Everybody knows Insurance. In this contract the insurer promises the insured to give compensation for the loss of the insured entity or death of the insured person. Premium is the amount which is paid by the insured to the insurance company on behalf of buying the insurance. Insurance is in fact similar to risk management.

There are certain rules and principles which are strictly followed by the insurance companies before insuring anything or anyone. Companies check the reliability of the information provided by the insurer, their earning capacity and the worth of the entity etc. Even when claims for insurance payment are made by the insurer, the companies check about the truth themselves regarding the extent of damage or loss, the insured entity or person and then only they give the insurance money. There are myriad types of insurance available in the insurance companies- Like,

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Public liability insurance if any kind of damage happens to the insured property due to any person from the public insurance amount is given.

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Vacant land insurance is taken by people who have lands or any construction in the land which is not in use since a long time. In case of any damage due to fire, earthquake, flood etc. to the property insurance, amount will be paid by the company for the loss.

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Office insurance is taken by almost every office and their employees. In case of injury of the employees, their hospitalization bills are paid by the insurance company under which they are insured. And if any kind of damage happens to the office its cost is also paid by the insurance company.

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Home warranty insurance is a good scheme where maintenance money required for the home is given by the insurance companies

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Construction work insurance is taken by the builders for their buildings which are under construction and for the workers who are involved in the building construction.

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Contract works insurance is very popular among people whose nature of work involves them in contract working.

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Business insurance quotes are demanded by the companies, so that they can insure their business to the company which offers most competitive price.

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Property Insurance Australia has a huge insurance market in Australia.

Other than these insurances life insurance, Motor insurance, Property insurance, Workers compensation insurance and insurance for display home are the most popular types of insurance.

It’s good and important to have insurance because our life is uncertain and insurance provides us and our family a kind of monetary security in case something unexpected and bad happens to us, so that we can face the challenges of life and move ahead.

via Understanding the various types of property-related insurance and owner builder insurance – Article Blast! Free Articles And Content For Reprint On Your Website, Newsletters and Ezines. Submit Your Articles For Free!.

Insurance : The Advantages and Disadvantages of Monthly Auto Insurance Payment | ArticleBiz.com

The saying that you should look before you leap is a fact that is also applicable in securing auto insurance policy for your car. It is necessary that you painstaking consider how much you want to commit to it before you purchase the policy. In addition to this is to really consider the benefits that you want to get from the policy and the coverage that your car require. If you fail to do this initial plan you may have difficult time paying the periodical premium.

In a situation whereby you have financial constraint, monthly payment may be your best choice. This could be paid with your credit card or your bank account.

In case you are a lower income earner. The wise thing to do is to calculate all your monthly bills that you cannot but pay. These are bills like electricity bills, water bills and others. Just include your auto insurance payment. In this way you can conveniently settle your policy payment with little or no stress.

As a statement of fact when you want to pay the total cost of the coverage at once you monthly income may not be able o handle. This is because auto insurance policy is sometimes expensive. So the major reason for preferring monthly payment is to meet up with monthly budget. So the decision is yours depending on the size of your monthly income.

On the other hand the monthly payment cumulatively is more expensive that you pay the lump sum. The scenario is just like when you pay for an item on retail basis or you purchase it on wholesale basis. The wholesale price is always cheaper. But when you consider your income level it is possible that the monthly payment will support your cash flow

It is in your best interest having known that you may prefer monthly payment to ask for how much is their monthly rates. This will help you to really know how much you are adding to your monthly budget. It is a very good idea to ensure that you don’t conclude on the first insurance firm as a place to pick your car insurance policy. You can go ahead to compare them.

It is not enough for you to have a car insurance. There area things that are necessary for you to be aware of and one of them is knowing the coverage you can get with the benefits you can obtain from it. Always be aware that as a car owner the requirement of the law is to have coverage that will cover you, your and passengers if any in case of any misshapen or accident.

The number of auto insurance companies is unlimited and their rate varies depending on the coverage you would want to have and the benefits you enjoy. Internet had also made issue of comparing insurance quotes very easy. So it is left for you to take pain to do through work to ensure that you get minimum rate for better coverage and benef

via Insurance :: The Advantages and Disadvantages of Monthly Auto Insurance Payment | ArticleBiz.com.

Boat Insurance Pays for Your Water Vessel Damages

If you are the owner of a boat, you will be requiring boat insurance. If you think that your boat will be absolutely safe and that you require no boat insurance, you are wrong. Remember, that your boat can be susceptible to theft, vandalism, fire, sinking, storms, collision, explosion, and stranding. Boat insurance can provide coverage for the boat, the trailer required for transporting the boat, and the motor.

If your boat is malfunctioning, boat insurance will be able to provide coverage even for this. Coverage is also provided when the boat requires to be towed back to the shore.

What boat insurance offers

It is absolutely important to know what kind of boat insurance coverage is available. Remember that all insurance companies do not provide every type of insurance coverage, so research well and find an insurance company which provides the coverage that you require. You can be offered watercraft liability coverage which is similar to car liability insurance; this will protect you if an accident occurs and you are at fault. Most of the states require you to have liability coverage for your water vessel. Boat insurance also comes with medical coverage if you and the occupants of your boat meet with an accident. In this case you will be provided medical expenses for treatment of injuries.

You can also go for optional boat insurance. This kind of insurance offers coverage for wreck removal, emergency services to your boat, boat trailer, or motor and reasonable repairs. It is important to have the boat insurance provide coverage for wreck removal. Keep in mind that if your boat sinks, it will have to be raised from the waters so that the insurance company can assess the damage and pay for the claim. Optional coverage is required in case the boat is financed.

Know the kind of insurance you need

The repair and replacement of a boat is not something that you can conveniently afford. However, you will find that in most cases boat insurance is reasonably priced. You need to discuss with your insurance agent to know what coverage will be suitable for you as well as your boat.

The coverage you require will depend on the type of boat you own. A speedboat will need a different insurance coverage from a small fishing vessel. A highly expensive craft will come with high insurance rates. Choose an insurance company which is financially stable and offers good customer service. The insurance company should be reputable, always responsive and available.

via Boat Insurance Pays for Your Water Vessel Damages.

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