{"id":16,"date":"2020-05-31T00:00:00","date_gmt":"2020-05-31T06:00:00","guid":{"rendered":"https:\/\/www.griffithinsurance.com\/blog\/?p=16"},"modified":"2020-05-31T13:59:07","modified_gmt":"2020-05-31T19:59:07","slug":"how-much-insurance-should-i-carry-on-my-sailboat","status":"publish","type":"post","link":"https:\/\/www.griffithinsurance.com\/blog\/how-much-insurance-should-i-carry-on-my-sailboat\/","title":{"rendered":"How Much Insurance Should I Carry On My Sailboat?"},"content":{"rendered":"<p>In West Chester, PA, you are not&nbsp;<em>legally<\/em>&nbsp;required to carry insurance on your boat. This means that if you want to sail without any coverage at all, you&#8217;re allowed to do that. It&#8217;s not advisable, but it is permitted.<\/p>\n<p>It&#8217;s not advisable, because a sailboat is a big investment. We&#8217;re not talking about a two hundred dollar fishing raft, but something that may have cost you twice or three times the value of your car. That&#8217;s an investment that you want to protect, so you&#8217;re going to want to get coverage. Experts generally recommend the following provisions:<\/p>\n<ul>\n<li>$1,000,000 in liability coverage. You&#8217;ll typically be recommended to carry more than this if you drive a fast powered boat, but for a sailboat, this should be enough.<\/li>\n<li>Collision and comprehensive to be based on the value of your boat.<\/li>\n<li>Gap and replacement coverage should be considered, especially if you&#8217;re still paying your boat off.<\/li>\n<li>Uninsured\/underinsured coverage. You&#8217;ll want to discuss this with your insurer to settle on a good number, but a minimum of&nbsp;$10,000 is typically recommended. As we said, West Chester, PA boaters are not required to carry insurance, so you may wind up needing to tap this.<\/li>\n<\/ul>\n<p>While you are legally allowed to sail to your heart&#8217;s content without insurance, it&#8217;s not advisable. There&#8217;s a lot that can happen out there on the open water, and you don&#8217;t want to be holding the bill when your sailboat suffers damages.<\/p>\n<p>If you&#8217;re looking to get your boat covered, get in touch with Griffith Insurance LLP.&nbsp;Griffith Insurance LLP can help you to get the coverage you need so that you can cruise the waters with your mind at ease the next time you head out.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In West Chester, PA, you are not&nbsp;legally&nbsp;required to carry insurance on your boat. This means that if you want to sail without any coverage at all, you&#8217;re allowed to do that. It&#8217;s not advisable, but it is permitted. It&#8217;s not advisable, because a sailboat is a big investment. We&#8217;re not talking about a two hundred [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[14,13],"class_list":["post-16","post","type-post","status-publish","format-standard","hentry","category-boat-watercraft-insurance","tag-griffith-insurance-llp","tag-west-chester-pa"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/16","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=16"}],"version-history":[{"count":1,"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/16\/revisions"}],"predecessor-version":[{"id":17,"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/16\/revisions\/17"}],"wp:attachment":[{"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=16"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=16"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.griffithinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=16"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}