Boat Season Is Back—But Is Your Coverage Still Floating?

​When the temperatures rise, boat covers come off and Arizona lakes start to fill up with weekend warriors and sun seekers. But before you hitch the trailer and hit the water, there’s one thing you should check: your boat insurance.

Many boat owners assume their coverage rolls over from last season, but policies can change—and so can your risk.

​🚤 Why Boat Insurance Matters
Even a chill day on the lake can come with serious risks:

A rogue wave damages your engine

A guest slips and gets injured

Another boater causes a collision (and doesn’t have coverage)

The water is unpredictable—but your coverage doesn’t have to be.

⚓️ What Boat Insurance Covers
Here’s what a good boat insurance policy should include:

✅ Liability Coverage – For property damage or injuries you may cause
✅ Physical Damage – Protects your boat against theft, fire, sinking, or collision
✅ Uninsured Boater Coverage – Covers your expenses if another boater causes damage without proper coverage
✅ Medical Payments – Helps cover guest or passenger injuries
✅ Trailer Coverage – Don’t forget the gear that gets you to the water

🧠 Pro Tip: It’s Not Just for Big Boats
Even personal watercraft like jet skis and small fishing boats should have insurance. If it floats and moves—it’s worth protecting.

⚙️ Time for a Coverage Check?
If your boat has been upgraded, changed hands, or hasn’t been reviewed in a while, now’s the time. At VIP Insurance Professionals, we’ll help you make sure your policy fits your boat, your lifestyle, and your lake plans.