船舶大发888dafa包括什么?
你是个狂热的划船爱好者, but have you considered what kind of coverage you need to keep your boat and equipment protected? 而船大发888dafa在许多州是不需要的, it's important to keep in mind that accidents on the water are fairly common. 仅2020年一年, 5,共报告康乐船只事故265起, 造成6300万美元的财产损失.1
作为一名划船者, 你可能会从船舶大发888dafa计划中获益, 即使你所在的州没有规定. 下面, we cover the basics of boat insurance to help you decide whether this type of coverage could be right for you.
什么是船舶大发888dafa?
The purpose of boat insurance is to cover the policyholder in the event that the boat is damaged, 摧毁了, 偷来的, 否则就会丢失. A boat insurance policy will provide coverage for just about any watercraft with a motor. This includes yachts, fishing boats, paddle boats, pontoon boats, and leisure crafts. However, most boat insurance policies do not cover personal watercrafts, canoes, or kayaks.
船舶大发888dafa包括什么?
A boat insurance policy can include several types of coverage, such as:
- Comprehensive coverage: Covers incidences such as theft or vandalism. This coverage will also come into play in the event that your boat is damaged in a non-collision incident.
- Collision damage: Covers the cost of repairing or replacing a boat after damage or destruction in a collision.
- Bodily injury liability coverage: Covers the cost of medical bills, 法律费用, 如果你在使用你的船时伤害了别人，你会失去收入.
- Property damage liability: Covers the cost of the damages that you may cause to another person's property or structure, 比如船或码头.
还有其他的大发888dafa选择, 比如个人财产大发888dafa, 医疗支付, 石油泄漏, 以及路边援助.
船舶大发888dafa是如何运作的?
A boat owner in the market for boat insurance can be expected to complete a questionnaire about themselves, 他们的船, and the coverage options they are interested in—all factors that will impact the cost of coverage.
一旦你购买了船的大发888dafa政策, you'll have the ability to file a claim in the event that you damage your boat, 用你的船伤害别人, 或者用你的船破坏别人的财产. 如果索赔被批准, the insurer will cover the cost of the injuries or losses up to the coverage limits.
船舶大发888dafa的费用是多少?
你大概要付1英镑.5 percent of the value of your boat every year for a boat insurance plan. 这意味着如果你的船值50美元,000, 为你的船投保一年可能要花费750美元左右. If you have a yacht worth $1 million, you can expect to pay about $15,000 each year for insurance. These are rough estimates, and they will vary greatly depending on your coverage needs.2
船舶大发888dafa费用考虑
The top factors that impact the cost of boat insurance include your boat ownership experience, 你的驾驶记录, 船的储存地点, 还有船主的数量. The type of boat, motor, and add-ons are also part of what determines the policy premium.
经验
在一般情况下, 船主越有经验, 船险的月保费往往越低. Insurers expect that a boat owner with more experience is less likely to get into an accident. Likewise, if you have a clean driving record, this should lower the cost of boat insurance.
储存与使用
A boat owner who intends to use 他们的船 in open waters will pay more for boat insurance than a boat owner who takes 他们的船 out in lakes. If you store your boat in a shed, this will likely reduce costs as well.
船东人数
The cost of boat insurance can depend on the number of registered boat owners in your area. 在一般情况下, the more boat owners there are, the more claims there will be. This can cause boat insurance companies to charge higher premiums. 另外, an increase in new boat ownership has the potential to create a competitive market space, 这意味着你可以看到大发888dafa成本的下降.
船舶需要大发888dafa吗??
简而言之，要视情况而定. 例如, some states require boaters to have boat insurance with liability coverage, 而其他州没有.
另外, a boater may be required to have boat insurance before they can dock 他们的船 at a marina. You will also likely be required to buy a boat insurance policy if you get a loan to purchase a boat.
Boat insurance is intended to address the unique needs of boaters when it comes to the risks they face when they store 他们的船s and bring them out into the water. 不管你所在的州是否有要求, a boat insurance policy can provide important coverage that every boater should consider.
1. 3.org, 2022
2. CampingHiking.网,2022
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
