Q: What’s the most common boat insurance claim?

A: Hitting a submerged object while cruising.

While nothing beats being out on the water with the sun and a sack full of sandwiches, it’s important to make sure your boat is covered should something unexpected happen. In fact, the second most common boat insurance claim is having your boat stolen while anchored, which goes to show that you can never be too careful.

Q: What’s the third most common boat insurance claim?

A: A collision with another boat while driving.

Clearly, it’s important to think about stuff like boat insurance before you load up the cooler, grab the towels, and set sail. But if you’re like most people, you think about insurance as little as possible, so you may have a question or 2.

We can help. Like a life raft on a sea of complex terms and phrases, Esurance answers your insurance questions in simple, easy-to-understand language. As insurance experts, we’ve compiled everything you might possibly need to know about boat insurance and set it afloat here in our boat insurance FAQs.

So take a look and make sure your boat insurance is ship-shape before you head out on the water. Oh, and don’t forget the sunscreen.

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about Heidi

Heidi brings 8 years’ experience to her role as Esurance’s copywriting manager. As a bona fide lit nerd and sucker for anachronism, she spends her days trying to incorporate Hemingway, Frost, and Shakespeare into car insurance (with varying degrees of success).