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ASSURRANCE LIES IN INSURANCE: SAIL BOAT INSURANCE
from: Your sail boat is considered an investment. Like you car, motorcycle or house, it should be insured. Sail boat insurance is, in fact, in some states required by law. There are, however, differences between insuring your car and insuring your boat. The major difference is the amount of coverage a policy provides. The most common variables are the type of boat, the insurance company and the location of the boat. In selecting the company you will want to be careful you obtain all the coverage you need together with any savings that could lower your premium.When you first start to look for an insurance agent or broker, keep this in mind. There are two distinct types of insurers: domestic and overseas insurers. The overseas group is considered more liberal regarding coverage for extended navigation. The local group, however, will be easier to access and research.
It is important you do the research before obtaining any type of sail boat insurance. Investigate the companies on line and through friends. Examine their credentials, record and integrity. Ask questions, review their information and take quotes to compare at your leisure. Do not allow yourself to be rushed, or pushed, into what is a legal and binding contract.
Beyond the actual consideration of companies, there are the issues of coverage. What do you want covered by your sail boat insurance? The following can be considered a shopping list: motor, trailer and boat cover damage; physical damage, theft, physical damage, liability and docking coverage. A sail boat policy, unlike that governing a car, can also be tailored to cover certain pieces of equipment found or employed on board. In this category are such things as sails, riggings, anchors, communication devices and on board electronics used for navigation. The rationale behind permitting this type of coverage by the company is the essential role they play in the proper operation of a sail boat.
You should also see the sail boat insurance policy covers the people who are on board, those who use it. Medical coverage is essential to running a safe and healthy environment on board. Accidents can and do happen so it is best to be prepared, not only with a first aid kit but also the appropriate amount of coverage. At the same time, be aware medical coverage has a top end beyond which you will be expected to pick up the tab. With accidents, be aware of what you are liable for and how much your policy will cover.
The best advice you can follow, is to first, choose an A-rated or respected insurance company checking their references to be sure and, second, read and understand your policy, its words and content. Only then can you make an informed decision.
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Sail Boat Paintings News
11th Havana Biennial Attracts Americans
With fewer travel restrictions to Cuba, more than 1,300 Americans — collectors, curators, dealers and others — have registered to attend this year’s Havana Biennial, close to the high reached in 2000.
Read more...11th Havana Biennial Attract Americans
With fewer travel restrictions to Cuba, more than 1,300 Americans — collectors, curators, dealers and others — have registered to attend this year’s Havana Biennial, close to the high reached in 2000.
Read more...Christie's Latin American sale presents masterpieces by Matta, Carrington, Portinari & Botero
Leonora Carrington (British/Mexican 1917-2011) with José Horna (Spanish/Mexican 1912-1963), La cuna (The Cradle). Painted wood with mesh cloth, grommets and rope, executed circa 1949. Estimate: $1,500,000-2,500,000. Photo: Christie's Images Ltd 2012.
Read more...Water world: from Lake Nicaragua to the Rio San Juan
Kevin Rushby visits an artists' colony on the vast Lake Nicaragua then heads down the San Juan river in search of caimans and a lizard with divine powers View a slideshow of the trip here 'You know about Jesus Christ?" asks Don Pedro in a whisper, the beam of his headtorch strafing the riverbank. I nod. It's a filthy black night. It's raining. We are on a big fast river, the Rio San Juan, in the ...
Read more...How Carla’s ‘nightie to remember’ inspired the ‘King of the World’
Despite eye-witness accounts like Carla’s, artists tended to depict the ship sinking intact in their paintings. (Below left) The great ship itself in shallower, friendlier waters off the British Isles, (below right) Just like Carla, Rose in ‘Titanic’ is very attached to her nightie.
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