Boat insurance agents are very familiar with the circumstances that lead to boat damage. You might be envisioning a collision or capsized vessel, but it’s often less dramatic. 

For example, when boats are in the water year-round, owners run the risk of various issues. Naturally, water conditions vary, and some are harder on the hull than others.

Our boat insurance specialists hear about damage due to:

• Algae growth
• Barnacles
• Hull blisters
• Salt corrosion
• Colliding with the dock in high winds or waves

When it comes to preventative measures while keeping your boat at the dock, you can’t beat a boat lift. When you store your boat on a lift above the waterline, it’s kept free and clear of the damaging effects of water (plus it’s fast and easy to launch your boat when you’re ready to use it again!). 

Here are some things to consider when you’re selecting a boat lift:

Choosing the Right Boat Lift

Your dock setup will often determine the best boat lift. Consider:

• Floating lifts – Best for deep water, rapid drop-offs, and fluctuating levels
• Bottom-standing lifts – Good for fixed docks in shallow water and cold winters
• Suspended hoist lifts – Suitable for average water depths

Other Factors to Keep in Mind

• Make sure the lift can handle your boat’s weight, including gear and passengers
• Check for marina rules, HOA restrictions, and permitting requirements
• Ensure there’s enough space to lift the boat, especially under a dock roof
• Verify if your dock can support the weight of the lift and boat
• Confirm if electricity is available for powered lifts

Is Your Coverage Ready?

A boat lift is a great investment, but do you have the right insurance to cover your boat and potential liability? Contact Global Marine Insurance to review your coverage.