There are two parts of a watercraft insurance contract you need to consider.
The first is your watercraft liability. I suggest at least $1,000,000 limits as the cost to go from $100,000 to $1,000,000 is not that much and you need the higher limits when on the water. The insurance company will also defend you and give you an attorney to battle any legal actions. This coverage protects your financial solvency.
The second cover is your physical damage and this can be more expensive than the third-party watercraft liability premium. Depending on the value of your boat, motor, trailer and if you want, your equipment, each insurance company will price the coverages based on their underwriting standards.
You will have to complete a watercraft liabilty application which will include questions about the waters and time of year you will be fishing.
Be sure that tournaments are included in the form. Each insurance carrier has differenct watercraft insurance policies and underwriting conditions so please question the agent about your needs.
Remember, you know what your monetary loss will be for the boat, motor, trailer and equipment. What you do not know is what your legal liability will be if you are negligent in causing an accident on the water.
One cannot just open the door and step onto the grass when on the water which makes the hazard a catastrophy when you have an accident with your boat.
Transfer the risk to a professional risk taker and go out and have some fun with out the worry of having an accident.
Ignorance can be corrected. ?Stupid lasts a lifetime.
Source: http://www.bassresource.com/bass-fishing-forums/topic/105077-tournament-boat-insurance/
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