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How to Save Money on Boat Insurance
Reality check: Today's competitive boat buying market has likely reduced the value of your boat - which could allow you to reduce your premium. Hold the small stuff: If you don't submit small claims and can handle a bigger deductible, ask your insurance company for a discount. Check for duplication: If you have a homeowners or renters insurance policy it may cover things such as "sports equipment coverage" which is sometimes added to a boat insurance policy. Go back to school: Many insurance companies give a discount for taking an approved safe boating class. Join a boating group: Join the US Power Squadrons or US Coast Guard Auxiliary and earn an extra discount on your insurance while learning and participating in making our waterways safer. Go liability only: If your boat is paid for and you feel comfortable with absorbing the cost of damage to, or the loss of your boat, consider a "liability only" policy that will still protect you and your other assets from lawsuits if you damage someone else's property or injure a third party. However, all liability policies are not alike - things like medical coverage for family and friends, salvage and wreck removal, fuel spill and uninsured boater coverage should be included. Long lay-up? If your boat is in storage for an extended period consider a "port risk" policy that provides no navigation coverage but does cover your boat in cases of theft, fire or liability should someone get hurt. Have the "right" type of policy: Most boaters have either an "Agreed Value" policy or an "Actual Cash Value" policy. The Agreed Value policy typically costs more but provides more reimbursement in the event of a partial loss by paying the replacement costof most items, and it will pay the value stated on the policy if the boat is a total loss. However, the Actual Cash Value policy costs less but also depreciates all losses - and will pay you less in almost every claim. Both kinds of policies have benefits but only you can decide which best meet your needs.
Understand what you're getting: Boat insurance
policies can vary widely. For example, an insurance policy with
$800,000 for fuel spill coverage may sound like a lot, while other
policies may exclude this coverage completely. In plain English,
if your boat starts a marina fire that destroys other vessels, will
there be enough money to cover the resulting spill as well as the
loss of neighboring vessels? Salvage and wreck removal coverage: If your boat sinks, your insurer will write you a check for the value of the lost boat (hull value). But who pays to remove the sunken boat? Depending on your insurance company it could be your own wallet or a separate "bucket" of salvage money in your policy. Consequential damage: If your boat sinks because of a failed part, is the resulting water damage covered? Or, does the policy exclude "any loss caused directly or indirectly, or resulting from" the failed part? If it does exclude it, you'll end up paying more for repairs out of pocket.
Contractual liability: Commonly needed by boaters
who rent storage space or a marina slip, contractual liability satisfies
a rental / slip contract's "hold harmless" provision.
However, you may not need this coverage if you store your boat at
home. BoatUS ANGLER Pays Web Site Commissions
BoatUS ANGLER is a membership program from the nation's largest boat owners group that offers services such as boat insurance and towing, and helps protect the interests and improve the safety of boat owning anglers. In exchange for hosting one or two BoatUS ANGLER-linked Web page banners, BoatUS ANGLER will pay up to $6 for each new member who joins, and $4 for every insurance policy application generated. "The program is simple," said BoatUS ANGLER Director Mike Pellerin, "When an angler clicks on the banner and goes to BoatUS ANGLER to join or complete an insurance policy application, you automatically make the commission." Here's how to get started:
Top
Fishing Tackle Brands for 2008 Named Southwick
Associates' AnglerSurvey.com announced the brands and products that
anglers preferred most in 2008. This list has been compiled from
the 22,486 angler surveys received by AnglerSurvey.com last year.
Public / Private partnership To Spread "Ethical Angler" Message BoatUS and US Fish and Wildlife Service Sign Agreement
ALEXANDRIA, VA, Sept. 2, 2008 - Boat Owners Association of The United States (BoatUS) and the US Fish and Wildlife Service joined forces today to reinforce the values of sport fishing through a public information campaign called The Ethical Angler. The campaign is built around a simple code of responsible fishing practices developed by BoatUS that both organizations will promote. BoatUS Chairman and Founder, Richard Schwartz, and US Fish and Wildlife Service Director H. Dale Hall signed a memorandum of understanding, agreeing to utilize the code as a public outreach reminder that recreational anglers are partners in fishery conservation. "The Ethical Angler is designed as a tool to reach anglers, fishing clubs and the general public with this message," Schwartz said. "By upholding the code of The Ethical Angler, we remind ourselves that sport fishing is a great tradition, and that each of us has a role to play in conservation and responsible fishing." BoatUS plans to make The Ethical Angler the conservation centerpiece for its BoatUS Angler membership program, which offers services, supports safe boating efforts and helps protect the interests of boat-owning anglers. The Ethical Angler campaign's seven-point code of responsible fishing practices is based on the word "A-N-G-L-E-R-S":
A
void spilling and never dump gasoline, oil or other pollutants
- on land or in the water. Director Hall said, "Anglers and boaters are some of our nation's most avid conservationists, and the principles of The Ethical Angler creed are values that they live by everyday. By joining with BoatUS in this effort, the Service will help spread the word about the ways young and old alike can enjoy nature while helping conserve our fisheries and aquatic resources for future generations." Boaters Should Prepare For America's Busiest Boating Holiday
With American's
busiest boating holiday, July 4th, upon us, the waterways will soon
be brimming boaters. The BoatU.S. Foundation for Boating Safety
and Clean Water says that making a few extra preparations ahead
of time will go a long way towards increasing your family's and
friend's safety and fun on the water. PLB Leads to Rescue of Florida Fisherman's Gear Courtesy of The Fishing Wire Personal Locator Beacon Serves Second Purpose, Reunites Angler and Gear Kids "Catch" the Spirit with Bassmaster Elite Anglers
Alexandria, VA— It was a weekend like none other for 21 novice anglers from Boys & Girls Clubs around the country who paired up with Bassmaster Elite anglers for a morning “fun tournament” co-hosted by BASS and the Future Fisherman Foundation. On Sunday morning, August 12, Bassmaster Elite Anglers Kurt Dove, Steve Kennedy, James Kennedy, Jim Murray, Ben Matsubu, Peter Thliveros, James Charlesworth, Dave Wolak, Rick Morris and Kevin VanDam led pairs of boys and girls out onto the water in search of Potomac River bass. The pro anglers and the novice anglers were in the Washington , D.C. area for the Capitol Clash, the La Plata , Maryland , stop on ESPN's Bassmaster Elite Series Tournaments.
The Future Fisherman Foundation, the angling education arm of the American Sportfishing Association, is currently in the first year of a partnership with the Department of Justice (DOJ) Law Enforcement and Youth Partnerships for Crime Prevention to implement a national program that brings fishing and aquatic education to Boys & Girls Clubs across the country through the Future Fisherman Foundation's Hooked on Fishing–Not on Drugs® program. Each Club selected its youth participants based on solid leadership, good behavior and demonstrated angling skills. “The kids had a fantastic experience fishing with these pro anglers that they can take back and share with their fellow Boys & Girls Clubs members,” said Future Fisherman Foundation National Program Coordinator Anne Danielski. “The excitement in the kids' eyes and the smiles on their faces were incredibly heartwarming. It was one of the highlights of my career. The Foundation looks forward to participating in more events like this in the future.”
Although the pros had spent the previous days focused on winning the Capitol Clash, come Sunday morning, all their experience and fishing savvy were devoted to helping the boys and girls improve their angling skills. Many of them said it reminded them of the first time someone took them fishing, and they were happy to pass along the tradition of sportfishing to the next generation. "We talked about football, we talked about fishing and we ate a little," said Pro Angler Peter Thliveros. "It just shows how well it can go when you just go fishing." The grand-prize-winning team led by Steve Kennedy included Ingrid Camberos and Suzette Martinez from the Boys & Girls Clubs of the South Bay (Calif.), with a total catch of 13 pounds-9 ounces. The girls received tournament shirts signed by Sunday's Top 12 Bassmaster Elite anglers. Dave Wolak led Brooke True and Josh Ogg from the Boys & Girls Clubs of Green County ( Okla. ), to second place with third place going to Kisumu Griffith and Demaria Bradley from the Boys & Girls Club of Central Mississippi, led by Peter Thliveros. All participants took home trophies and the once-in-a-lifetime experience of learning angling skills from the best of the best. Timothy McNeill from the Boys & Girls Club of Sanford/Lee County, North Carolina, who fished with VanDam, summed it up the best by saying, “It was the greatest experience of my life.”
"This event wouldn't have been possible if it weren't for the hard work and donations of so many people and companies,” said Foundation Executive Director Mike Bolinder. “Our thanks go to ESPN and the Bassmaster Elite Series pro anglers for providing these young anglers with this chance-of-a-lifetime opportunity. This is something they will never forget.” BoatUS ANGLER provided the Association with life jackets, fishing lures, hats, gear bags, patches and decals. Other ASAssociation members who provided equipment and support are: Shakespeare Fishing Tackle, Zebco/WC Bradley, Plano Molding Company, Boat US, Gemini Sport Marketing, the Recreational Boating and Fishing Foundation and TTI Blakemore Fishing Group. The participating Boys and Girls Clubs are: Boys & Girls Clubs of the South Bay, Harbor City, CA; Boys & Girls Club of Pomona Valley, Pomona, CA; East Los Angeles Boys & Girls Club, Los Angeles, CA; Boys & Girls Clubs of Greater Washington, Silver Spring, MD; Boys & Girls Clubs of the Twin Cities, St. Paul, MN; Boys & Girls Clubs of Central Mississippi, Jackson, MS; Boys & Girls Clubs of Sanford Lee Co., Sanford, NC; Boys & Girls Clubs of the Three Affiliated Tribes, New Town, ND; Boys & Girls Clubs of Las Vegas, Las Vegas, NV; and Boys & Girls Clubs of Green Country, Pryor, OK. Click
Here For More Information about the Future Fisherman Foundation National Spotlight Shines on "10 Waters to Watch" April
30, 2007 - Courtesy of FishHabitat.org “Thanks to an approach that teams federal,
state and local partners, these 10 waters soon will begin to heal,”
said John Cooper, Chair of the National Fish Habitat Board. “These
and other projects across the country mark the beginning of an unprecedented
effort to prevent the further decline of aquatic habitat across
the country.” Read More on "10
Waters to Watch"
Fishing for big bucks: Making a living on the lake may sound like a nice life, but it isn't that simple
"I chase little green fish around the country," the Buford resident said. "It doesn't get much better than that." But he knows as well as anybody that there is more to it than that. The life of a professional fisherman is not as simple as dropping a line in the lake and chasing "little green fish." Not even close. While it may be more exciting than sitting in a cubicle for nine hours a day, it can certainly be just as much of a grind. Dealing with sponsors, going on long road trips, exposure to long hours in the sun and fishing in the worst conditions are just a few of the less-than-glamorous aspects of living on a professional angler tour. Several anglers who live within a cast of Lake Lanier, including Mann, spend enough time on professional tours to catch big paydays and fish with the best. "It is an everyday job," Mann said. "If I don't produce, I don't make money." Mann is well-established on the Wal-Mart FLW Tour and Series and has made his fair share of money in doing so. He started on the now defunct Hungry Fisherman Circuit in 1982 and proved he can compete with the top competition in the mid-1980s.
RBFF Study Reaffirms Link Between Boating and Fishing ALEXANDRIA, Va. – A study released this week by
the Recreational Boating and Fishing Foundation has found that promoting
both boating and fishing is good for the market and fishing is a
strong pathway to boating, RBFF said. For more information about services, Click Here To request a free information packet about BoatUS ANGLER benefits and services, Click Here
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ALEXANDRIA,
Va., June 23, 2009 - Are you in the fishing business and would like
to put a little more money in the cash register? With
the BoatUS ANGLER Affiliate Program, fishing-related businesses,
pro anglers, guides, and just about anyone with a boating or fishing
Web site can now earn a commission helping the organization grow.
Ten
July 4th Boating Safety Tips 
By
Jeff Cochran, The Gainesville Times - When Tom Mann Jr. describes
what he does for a living, he leaves a few of the harsher details
out.
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