Are you interested in learning more about boat insurance in Atlanta and other parts of Georgia? This article will explain some of the details on boat insurance and how we can help.
Georgia’s many lakes and waterways offer great opportunities for boating and other water activities. However, as enjoyable as it is, boating can also be risky. From accidents and theft to damages and liabilities, many things can go wrong out on the water. Those are just a few of the reasons you should consider purchasing a boat insurance policy.
Explore Georgia’s Popular Boating Destinations…But Make Sure You Have Boat Insurance!
As mentioned above, Georgia offers a wide variety or lakes, rivers, and waterways to enjoy boating. Be sure to check all local & state regulations before going out on the water, and definitely don’t forget about your boat insurance. Below are some of the more popular boating areas, and the good news is that we can help with your boat insurance needs in all of them.
- Lake Lanier – This is one of the busiest lakes in all of Georgia. Roughly a 30-40 minute drive north of Atlanta, it’s great for recreational boating, fishing, jet skiing, and all kinds of water sports. Holiday Marina and Lazy Days Marina are two of the most popular on the lake.
- Lake Allatoona – Allatoona is another popular destination for residents of the Metro Atlanta area and beyond. Here you can look to dock your boat at the Allatoona Yacht Club, or one of the several other marinas such as Park Marina.
- Lake Hartwell – Located up I-85 towards South Carolina, Lake Harwell offers great conditions for boating as well as fishing. If you are wanting to keep your boat at the lake you can look at Hartwell Marina.
- Lake Oconee – Located between Atlanta and Augusta, Lake Oconee is home to some excellent luxury resorts such as the Ritz-Carlton Reynolds. The lake itself also offers a great opportunity for boating.
- Lake Blue Ridge – Located in the picturesque North Georgia Mountains and fed mostly by the Toccoa River, Lake Blue Ridge is a great option for both boating and fishing.
- Chattahoochee River – Even though it’s not a lake, we have to mention the famous Chattahoochee River. Stretching from the North Georgia Mountains all the way to Florida, it offers great scenery and fishing.
Why do you need boat insurance?
- Even though boat insurance is not required in Georgia, it is still a good idea for anyone operating a boat to carry. Keep in mind that other states may have different requirements, so if you are going to be boating outside of Georgia, you will want to check the local regulations. As a side note, if you are traveling outside of your home state with your boat, you will want to check with your insurance company to see if there are any restrictions.
- It can provide coverage for your boat itself, your passengers, yourself, and other boaters from accidents and damages. Depending on which coverages you select will determine who and what is covered by the insurance.
- It can also provide coverage for theft, vandalism, and other types of losses that can occur on or off the water.
What does boat insurance cover?
- Boat insurance can cover physical damage to the boat, including the hull, sails, machinery, and other equipment.
- It provides liability coverage in case you cause an accident or damage to someone else’s property or boat.
- It can cover medical expenses for injuries sustained by you or your passengers.
- It can also include coverage for towing and assistance as well as personal property such as fishing equipment.
- You can have the option to insure your inboard or outboard motors.
- In certain situations, some companies may be able to offer New Boat Replacement Coverage
How much does boat insurance cost in Georgia?
- The cost of boat insurance depends on various factors, such as the type and size of the boat, its age, its value, and your location.
- Some companies may look at your driving record and boating history as part of the cost calculation.
- Where you plan on taking the boat. For instance taking the boat in the ocean may have increase costs over your local lake.
- You may be able to qualify for certain discounts including; boater education course, years of boating history, bundling your boat with home & auto insurance, and what type of safety equipment you have on the boat.
What types of boats can you insure?
We can help insure a wide range of different types of boats including;
- Fishing boats
- Bass Boats
- Deck boats
- Bowriders
- Pontoons
- Centre Console
- Cabin Cruiser
- Cuddy Cabin
- Sailboats
- Ski Boats
- Runabouts
- Antique & Classic Boats
If you don’t see your boat listed, feel free to contact us and see if it is something we can help with.
Let Us Help You Get Boat Insurance In Atlanta & Georgia!
If you have any questions about boat insurance, or you are interested in getting quotes, please feel free to contact us. You can call us at 404-781-9415, or use the Get Started link to have one of our representatives contact you. As an independent agent offering boat insurance serving Atlanta & Georgia we would love to see how we can help you.
