What Every New Boat Owner Should Know About Insurance

Thinking about buying a boat? It’s easy to see why. Boating provides fun, freedom, and a way to get away from life’s stressors. Before you buy that boat, though, you should know your legal requirements and insurance options. AWARD Insurance Group in Dalton, GA can help you make sense of your choices. 

Why Boat Insurance in Georgia? 

Like most states, Georgia requires boat owners to register their boats. Unlike most states, however, Georgia does not require boating insurance. So why buy insurance as a boat owner? Because it can protect you in case of liability. 

Rules of the Road 

With cars and trucks, most people know the rules of the road. Lakes and marinas have their own rules of the "road," too. However, those rules can get confusing for first-time boat owners. With no signage in the middle of a lake, it’s easy to forget who has the right of way. You may know the rules, but other people on the lake may not. That’s one reason why people get into boating accidents. The right insurance can protect you in case of damage. 

Plus, since Georgia doesn’t require boat insurance, you may collide with an uninsured boater. If you have insurance, you can avoid paying for the damage out of pocket. 

Marina Requirements 

Georgia itself may not require boat insurance, but some businesses can. Some lakes, docks, and marinas may require their boat owners to have insurance. Check with your marina to find out if you’ll need insurance to dock your boat. 

Questions About Boat Insurance? 

If you have questions about boat insurance coverage, we can help you demystify your options. Contact AWARD Insurance Group in Dalton, GA for more information. Let’s make sure you get the peace of mind you deserve on your next boating trip.