Likewise, you ought to never think about using your boat without some form of boat insurance. It will protect you, your boat, and anyone traveling in your boat. It will also provide you with a great deal of peace of mind. That is priceless!
Boat insurance is available from a variety of sources. Many car and property insurance companies also insure boats. Alternatively, you can purchase boat insurance from one of many specialized companies that focus exclusively on marine vessels. Which type of insurer you choose will depend on many factors including price and the type of boat you own.
Boat insurance is very similar to car insurance. Your basic policy will cover physical damage to the boat itself from many different causes. Depending on your specific policy, acts of vandalism, acts of God and even latent defects in craftsmanship may be covered. Generally your boat trailer will also will be insured at no additional charge, but you should always check your policy documents to make sure.
In the event of a boating accident, your medical expenses and those of your guests will also be covered. This is true whether the accident occurs in the water or while entering or exiting the boat at boat docks.
As with a car insurance policy, the limits of this coverage will vary by policy. Safe boating should always be your first priority, but when an accident strikes, will you be prepared with the right policy in place to protect you?
Your boat insurance policy will cover those that you hire to work on your boat as long as they are contractors and not regular employees of the boatyard. Covered contractors may include carpenters, cleaners and others. Again, check your policy for specific information.
Optional coverage's that you may wish to consider include uninsured boater (similar to uninsured motorist); personal property (replacement value of personal items on board); and even fishing equipment coverage. Whether to purchase these optional items depends on your individual circumstances.
There are many special considerations for boat insurance. Make sure that you understand your insurer's policies on these considerations. One of the biggest concerns is the possibility of grounding the boat. Depending on your insurer's policies, this could be handled in a couple of different ways.
The vessel could be towed out, which might result in further damage, or it could be considered a salvage, which involves special procedures to protect the boat. Another consideration is wreck removal. If your vessel is completely wrecked, you will be held responsible for removing it from the water.
Some insurance companies cover this while others do not. Also be sure that your insurer will cover towing, which is no longer provided free of charge by the Coast Guard.
If you own a boat that is over 40 feet long, you might consider insuring it as a yacht. but expect to pay quite a bit more. However, the upside is that you will enjoy a form of insurance that comprehensively covers your needs as the owner of a very large boat.
Make sure that your boat insurance is the right one for you and your needs. Owning a boat is an expensive endeavor. Spend the money necessary to properly insure your boat and you will be better off for it.
Boat lifts work on the principle of lifts and hoists. In Hydro hoist type model there are float tanks that have a drain fitting at the bottom which is always open to the water. The boats are lifted with the help of hoists that are driven by heavy motors. The Hydro-Hoist boat lifts are of several types such as Boat Floater, Econo Lift and others. In the case of Air Dock the pressure of air is required to uplift the boat to a certain height above the water surface. With Air Dock type boat lifts there is a water tank which is filled and evacuated with the air pressure. Here the air is pumped in from the atmosphere to force the water out of the water tanks thus lifting the hoist. To lower down the hoists, one should vent the air pressure to allow water to fill the again tank.
Generally a motor with a blower is attached which is about the size of a vacuum cleaner motor. These motors blow the air out of the float tanks. Each tank has a hole at opposite ends, where the hose is attached. These holes are about 4 inches in diameter. An electric switch is used to turn on the blower and a valve. To raise the boat lift the valve is opened and the blower motor turned on. It can be left on until air bubbles are out of the 4 inch holes, this is the maximum lift that can be obtained. Once the boat is lifted to the desired height the valve is manually closed and all the air is retained in the tanks. When the boat is to be launched the valve is opened and the captured air from the tank escapes past the blower and the lift settles into the lake.
Different new technologies are adopted regularly to enhance the working principles of boat lifts. These new technologies are a floating drive-on dry lifting system which makes existing technology obsolete. Fully portable, changeable and modular boat lifts will work in shallow water or deep water, fresh, tides or salt water, currents and even waves. These boat lifts have the power to lift boats of different sizes, from small boats to large watercrafts. Drive-on floating docks even replace those traditional lifts, boat hoists, davits and trailers and provide a convenient dry-dock for stern drives, outboard boats, inboard ski boats and jet boats of all sizes and shapes.
Both Mike Selvon & Ignacio Silverstone are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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