Fishing boat insurance

About five years ago, I moved next to Lake Saint Clair in Metro Detroit. A short time later, I decided I wanted a fishing boat... how could a guy not want one? I was living within minutes of one of the best smallmouth bass fisheries in the world and less than a half hour from two prime walleye factories... the St. Clair and Detroit rivers.  I would be an idiot not to own one... too bad my wife thought the opposite.

It took me five years of careful negotiations but I finally won out.  I finally had the okay from a still not too convinced wife but somehow I had an okay.  I still don't know how I did it but I was on my way to a new (to me) boat.  I searched high and low for about a month and finally landed a perfect fishing boat from a guy on Craigslist.

To say I was excited to get the boat would be the understatement of the year.  I was pumped to get the boat.  I looked over all the rules and regulations for my state and figured out what I needed to make the boat legal.  I bought new rods, reels, baits.  I even went out and bought some navigational maps for the waterways I would be fishing.  All I needed to do was to decide if I wanted insurance.

I didn't have a lien on the boat so technically I did not need to get insurance if I didn't want to.  I paid a couple thousand for the boat so why pay a couple hundred bucks a year for insurance (not my smartest train of thought).  If something did go wrong with the boat, the deductible would probably be higher than the repair.  It didn't make sense to me to waste more money than I already had.

Those arguments make sense but I wasn't looking at the big picture.  I was thinking of boat insurance as only covering the physical boat but boat insurance covers more than that.  What if by some fluke chance I would have injured somebody on the water? What if I would have ran into somebodies boat on the water?  There is a good possibility a person could lose everything with one simple mistake or misjudgment.

Luckily these things never happened and hopefully they never will but now I am covered.  I feel good knowing that I have all my bases covered and can enjoy my time on the water without worrying.

If you are in the same boat as I was before, the un-insured one, I would give boat insurance another thought.

Hopefully this article will be enough to persuade you to bite the bullet and get boat insurance.  Some day, you might be lucky you did.


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