If you own a sailboat and plan on purchasing marine insurance, the chances are you're wondering what affects the premium. Boat Insurance Quote .net has provided all the necessary information to get you started with marine insurance including items that may not be covered.

Physical damage and liability are usually covered under boat insurance. Physical damage coverage will pay to repair or replace your boat if it were damaged or destroyed by fire, theft, lightning, vandalism or windstorm. The boat itself is covered, outboard motors, boats trailer, and personal property theft of items located on the boat.

Liability coverage will protect in the event in which you are the cause of damage to property or an injury to someone other than you or a family member. Liability coverage is usually purchased in increments of $100,000 up to $1 million Liability is very important and can cause just as much financial harm as physical damage

As with auto insurance, your sailboat quote can vary due to certain details:

If you are an informed buyer, chances are you'll save. Don't be afraid to ask the insurance company questions about a specific policy. They can be confusing sometimes.

If you would like to be a good risk for the insurance company you may want to take a safe-boating course or a charter certification from a learn to sail program. A boat company likes a client who has taken courses such as these and has shown they are responsible. A well-experienced operator and well-equipped boat will affect the amount of the premium.

The condition of the boat is important to the premium also. If the boat is more than eight years old the boat will need to be surveyed to receive insurance. Sailboat insurance is basically like another piece of equipment on your boat. Meaning you shouldn't leave the dock or mooring without it!

Location also determines how much your premium will be. If your boat is in a secure location, away from hurricanes, tornado's, floods, and other natural disasters, the premium may be lower. If the area is known for vandalism or theft, it will also be a factor. The decision to dock your boat or have a mooring can affect the price of the premium too. It is generally safer to keep your boat on a dock; the marina will help protect against thieves and vandalism.

Antique and classic boats are boats that aren't ordinarily used as a pleasure boat. Normally standard boat and yacht insurers aren't interested in insuring a wooden-hull boat, custom built boat, or any other boat that is extraordinary. An antique or classic boat is a boat that was built over 25 years ago. Most of the wooden boats would fall under this category. In order to be covered for all risk, the boat must be safe to operate in the water. These policies usually are written for an agreed value on the hull, and include liability, uninsured boater, medical payments, and trailer coverage. Please contact Boat Insurance Quote .net so they can provide you with additional information on coverage of antique and wooden boats.

Hydrocycles, jet skis, kit boats, ski boats, and other personal watercraft (PWC), high-performance boats with a design speed which is in excess of 50 Mph. Outboard motors, which are not listed in your policy, may not be covered.

Racing water sport liability Theft without visible signs of breaking and entering mysterious disappearance of gear and items on the boat.

Bodily injury to yourself or another person Physical damage to your boat, another boat, trailer, personal belongings Theft of your boat, motor or equipment Medical expenses Towing services.