Boat Insurance

OceanPoint Insurance, an RI insurance agency, offers boat insurance from the top insurance carriers; and a range of financial services.

Whether you are the skipper of a fishing charter boat or a recreational boater, you need to recognize the inherent dangers of being on the water.  While planning for the worst-case scenario may seem dismal, it can be a life-saving idea. If you or your loved one is heading out on the water, we strongly advise that you create a float-plan.

Who should use a Float plan?

Anyone who will be on the water for an extended period; all of the following should create float plans before venturing out on the water.

  • Hunters

  • Jet Skiers
  • Kayakers
  • Power boaters
  • Rafters
  • Rowers
  • Sailboaters
  • Sport fisherman
  • Water Skiers

What is a Float Plan?

A float plan is a simple document which you should leave with a responsible person who will notify the USCG if you fail to return from your trip.
The float plan will explain:

  • Trip Details: where the boater is going and the expected time of return
  • Boat Details: type, length, color, etc.
  • Guests: a list who is on the boat and the guest cell phone numbers
  • Safety Equipment: a list of the safety/survival equipment
  • Auto Details: model, license plate and parking location

The final section on the float plan informs the responsible person whom you left the float plan with as to what emergency action should be taken upon failure to return.

For example, “If I have not returned by 8 pm, please call my cell phone, and if you cannot reach me, then please call the United States Coast Guard.”

Complete your float plan and leave it with someone who will be aware if you do not return as scheduled. A float plan should become second nature, just as you would prepare your life jackets for the guests on your boat.

Marine emergencies are time sensitive, and this plan could save time and lives!

RI Boat InsuranceRI Boat Insurance

OceanPoint Insurance is committed to giving southern New Englanders peace of mind by offering a selection of RI Boat Insurance policies, and reminding boat owners this fall of proactive measures they can take to protect their boats from theft.

According to the National Insurance Crime Bureau, most watercraft vessels that are stolen are never returned.

Here are six ways to protect your boat this season:

1. Lock it up. . .tight.

Thieves are easily deterred when your vessel proves to be not worth the effort. If you have a trailer, start by locking it up and using a parking boot similar to the ones used on cars. You can take this a step further by locking any latches, and locking any windows.

2. Equip it with an alarm system.

Intruders who are greeted by a blaring sound are usually persuaded to move on to another vessel, in part, because of the unwanted attention from onlookers. Today, security systems are sophisticated enough to take full advantage of technology available in your phone. Another solution that’s easier on the wallet might be to leave a water proof radio running in the background which could be enough to dissuade thieves from jumping aboard in the first place.

3. Move the trailer in an inconvenient position.

Boat owners have every right to park the trailer in a way that is convenient for them, but that also means it’s convenient for thieves. When parking the boat, the boat’s hitch should be pointing towards the driveway. It’s important that unscrupulous individuals don’t see a hitch when they are strolling along the sidewalk, otherwise you could be inviting them to latch on their pickup trucks for an easy steal.

4. Record, record and record some more.

Law enforcement officers will have a hard time helping you if you can’t provide a detailed account of all of your belongings. You should make a log of all the valuable items within the vessel, so law enforcement officials can narrow down the list of thieves who might be looking to fence your belongings for bargain low prices at nearby pawn stores.

5. Personalize your boat in a hidden way.

Since 1972, the federal government has required that all boats manufactured or imported in the United States come with a Hull Identification Number (HIN). All states have additional requirements that may be different from one city to the next, but a precautionary measure would be to engrave the HIN in places someone wouldn’t think to look. This will come in handy if your boat has gone over a radical makeover like a new paint job.

6. Out of sight, out of mind.

Keeping your watercraft in a poorly lit area could be a contributing factor to why your boat is missing the next morning. There is debate about whether lighting could deter criminals from committing crimes, but studies have shown that without street lighting, crimes including thefts in some neighborhoods tend to go up. You can avoid the headache altogether by keeping your vessel in a secure area that is out of sight like a marina or a garage, but it’s advised that other precautionary measures are also taken into account.

Learn more about RI Boat Insurance, contact an OceanPoint Insurance agent.

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With summer finally upon us, many families are taking to the outdoors. No matter where your summer adventures take you, OceanPoint Insurance would like to remind you of the importance of reviewing your current insurance policies. To ensure they are providing the levels of protection you need, we encourage you to talk with your OceanPoint agent to make certain you are properly insured.

Summer Toys:

Most people understand the need for RV and motorcycle insurance, but did you know that recreational vehicles also require insurance? Take a look at the different vehicle coverage we at OceanPoint have available:

  • Jet Skis: Jet Ski insurance, though not legally mandatory, is simply a good idea due to the risks of the sport. Factors like hidden rocks or busy motorways put drivers at risk.
  • Motorcycles: Liability insurance is mandatory in RI and pays for damages or injuries you cause in an accident, as well as your legal defense if needed.
  • ATV’s: ATV insurance provides the coverage you need specifically for off-roading. Your policy will cover damage or injuries from an ATV accident, up to the limits of your policy.
  • Boats/Yachts: If you enjoy fishing, sailing, yachting, or cruising around on a powerboat, make sure you have boat insurance that covers your liability risk as well as your watercraft, equipment and passengers.
  • Motorhomes: Motorhome liability insurance is mandatory in RI and will cover the cost of repairing or replacing your vehicle after an accident. Whether you are heading down the coast or traveling north to the mountains, be sure you are covered.
Summer Parties:

Before you host your next graduation party, cocktail party, or backyard barbeque, be sure to protect yourself and your guests. Listed below are some tips for keeping your summer party safe and avoiding claims on your homeowner’s insurance:

  • Before a party, take the time to make sure your yard (or party area) is free of uneven patches of ground, mounds and holes, and that entryways are clear of tripping hazards.
  • If you have a fire pit, be sure it is at least 10 feet away from any structure or combustible surface.
  • Always have a container of water nearby and a garden hose on standby before starting a fire.
  • Check gas grill hoses to ensure they’re not blocked, cracked or damaged before use.
  • Operate your barbecue on a level surface, away from your house, garage and landscaping. Never move the grill once it is lit.
  • Make sure no one swims alone. Never leave a child unattended in the water or pool area, and see that less experienced swimmers are always accompanied by a swimmer who has water life-saving skills.

To fully enjoy all your summer fun, make sure you have the insurance protection you need. If you have questions about your insurance policy call OceanPoint Insurance at 401.847.5200.

shutterstock_15657421Did you know that Rhode Island requires boaters to have a Boater Safety Education Certificate, not a boating license? Anyone born on or after January 1, 1986, is required to pass an approved boater education course before legally operating any vessel powered by a motor of more than 10 horsepower. In addition, anyone operating a personal watercraft, or jet ski, regardless of age, must have passed an approved boater education course.

In addition to reviewing your local boating laws, it’s important to always practice boating safety. We have provided some tips to help ensure you have a safe and enjoyable trip:

  • Be weather-wise. We are at the start of hurricane season, and you should always check local weather conditions before departure.
  • Download the U.S. Coast Guard’s (USCG) boating safety app. The USCG released a mobile app last month that features: latest safety regulations, ability to request emergency assistance, file a float plan, and more.
  • Develop a float plan. Always be sure to let someone else know your plan, including where you’re going and how long you’re going to be gone.
  • Have proper lifejackets onboard. The majority of drowning accidents result from boaters not wearing a lifejacket. Make sure everyone onboard has a lifejacket and that it properly fits.
  • Avoid alcohol. The probability of being involved in a boating accident doubles when alcohol is involved.
  • Consider a free vessel safety check. The USCG offers complimentary boat examinations to evaluate the safety of your vessel.

For more information on boating safety or to inquire about marine insurance, please call OceanPoint Insurance at 401.847.5200.

shutterstock_4589980The warm weather is here and summer is rapidly approaching. We are all eager to enjoy those summer toys with family, especially after the rough winter we’ve had. No matter how you choose to travel it is crucial you secure proper insurance protection.

At OceanPoint Insurance, we urge you to review your insurance policies to be certain they will protect you for another summer of fun and adventure. Your current policy may not fully protect you against theft, damage or accident; therefore we encourage you to talk with your OceanPoint agent to ensure everything is properly insured.

We provide insurance protection for:

  • Jet Skis
  • Motorcycles
  • ATV’s
  • Boats/Yachts
  • Motor Homes

We also offer additional coverage for equipment and property, including bodily injury liability, coverage for guest passengers, and property damage liability.

Call OceanPoint Insurance at 847.5200 to review all of your coverage options and ensure you’re covered for all seasons.

We all need insurance, but with the wide variety of options available and companies to choose from, deciding on which policy is right for you can be over whelming. As an independent insurance agency, we have the ability to offer you rates from multiple insurance companies. We are able to rate prospective insurance applicants using a comparative rater and figure out at what premium you are eligible to purchase insurance.

If you choose one insurance company, the rate they give you is the rate that one company believes you qualify for. OceanPoint has a comparative rating system that allows you to compare the rates of a variety of insurance companies right on our website, so you can choose which company best fits your needs.

No insurance policy is a one-size-fits-all, and you don’t know which company fits best until you explore all your options. To receive a quote for homeowners, auto, or life insurance, visit the quote page of our website and fill out the required form. An agent will then contact you with quotes from multiple insurance carriers based on the information you provided.

At OceanPoint we strive to ensure all of our clients are satisfied with our service, and we continuously look for ways to save you money while offering you superior coverage at competitive rates. With our comparative rating system, you are able to review all of your options from the comfort of your own home, when it is convenient for you.

OceanPoint effectively provides you with a fast and accurate insurance quote. For more information about our quote options, call our office today at 847-5200, or visit the quote page of our website to start comparing rates today.

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During hurricane season there is always a chance we could experience numerous storms, several of which may have the potential to become major hurricanes. It is crucial that you are prepared for whatever may happen.

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There is a special importance placed on hurricane preparedness for boat owners. To help ensure you take the necessary precautions, we offer a few helpful tips for how to prepare your boat in the event of a hurricane.

  • Have a plan of action in advance.
    • Boats remaining in a marina: Double all lines and attach them high on the strongest and tallest pilings, to allow for tidal rise. Make sure lines will not slip off pilings and that they are installed properly.
    • Boats remaining on a mooring: The mooring must be designed and maintained to withstand the weight of your boat (contact your marina to determine the maximum load their mooring will withstand and how that relates to a Category 3 storm). Inspect and service the chain and swivels that connect the mooring buoy annually.
    • Boats that can be  trailered: Haul your boat out of the water and move it to a safe location as far from tidal waters as possible.
    • Be aware of your lease or storage rental agreement with the marina or storage facility and know your responsibilities and liabilities as well as those of the marina.
    • Fully charge the boat’s batteries, and have backup batteries.
    • Shut off all devices consuming electricity except bilge pumps, and disconnect shore power cables.

When a hurricane is coming, after you have made anchoring or mooring provisions:

  • Remove anything portable such as sails, dinghies, electronics, cushions, etc. and securely tie down anything that cannot be removed.
  • Keep a list of everything left on the boat and what was removed.
  • Have all records including insurance policies, a recent photo of your boat, boat registration, equipment inventory, and the lease agreement with the marina or storage facility, together in one place.
  • Make sure you know the telephone numbers of appropriate authorities, such as the U.S. Coast Guard, Harbor Master, National Weather Service, and your insurance agent, and keep them on hand.
  • Do not stay aboard.

After the hurricane has passed.

  • Be aware of possible downed electrical wires. There may be stray AC current from submerged outlets, shore cords in the water, damaged vessel systems, etc. Do not enter the water!
  • Check for leaking natural gas and propane by smell only, not with matches or candles!

The most important things to do to protect your boat from hurricanes or any severe storms are planning, preparation and timely action. It is also critical that you have the proper insurance coverage in place, and fully understand your policy. Call your OceanPoint Insurance agent today, to ensure you are fully aware of what is covered under your policy, and we’d be happy to give you a complimentary policy review.