Keystone State Insurance in West Chester, PA can advise you on what you need to stay protected while operating a boat in Pennsylvania. While the Pennsylvania Fish and Boat Commission does not require a boating license, you need, in most circumstances, to carry a card which signifies that you have a Boater Safety Education Certificate if born after January 1, 1982. This approved boater safety course certifies yourself to operate a boat.
The card, while not a license, has the same force of a license. The Pennsylvania Fish and Boat Commission officers enforce the requirements and will arrest those boaters who are legally under the influence of alcohol.
Recreational boating is a leisure activity where over 87 million U.S. adults participate. When buying boat insurance, certain things must be taken into consideration:
How is the boat used?
- Pulling water skiers at high speeds?
- Will there be passengers in the boat at high speeds?
- Adequate liability coverage would be necessary for injuries.
Do you need a separate policy?
- Homeowners insurance is not enough for a boat stored off of the home’s property.
- Proof of separate insurance is needed if the boat is stored over the winter and it is required by the marina.
Emergency towing needed?
- Recommended if you boat on large lakes
- Towing can be expensive without insurance
Need special equipment on the boat?
- Downriggers and electronic equipment can be covered by a boat policy
- Insurance can cover other accessories on the boat
Susceptible to animal damage?
- Raccoons, rodents, cockroaches, weevils
- Can protect your vessel while it is being stored from animals
Keystone State Insurance will find a policy to protect you and your boat. Please call for more information and a quote.