Avoid Surprises - Insuring Your Boat Before Transport

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Avoid Surprises - Insuring Your Boat Before Transport
Avoid Surprises - Insuring Your Boat Before Transport

There are many reasons you may want to transport your boat over land. Perhaps you and your family have decided to move and want to bring your boat along rather than sell it. Maybe you bought a boat in another state and need to bring it home. It might be that you have a race or other boating event in another region that you want to participate in and the clearest path there is over land.

No matter what the reason is for needing to transport your boat over land, you are going to want to make sure you have proper insurance coverage. You may be the most cautious person on the planet. You may try to think of all the possibilities. Yet, accidents still happen. The last thing you need is to get in an accident and not have proper insurance coverage.

What is Boat Insurance?

Most boat owners carry boat insurance on their vessel. According to the article “Float Your Boat with Confidence” on the Geico Insurance website (www.Geico.com), boat insurance is much like car insurance – it protects against liability and accidental damage. Per Geico, there are policies available that also cover fuel spill liability, salvage coverage, wreck removal, and even the cost of replacing a boat with a newer model. 

Avoid Surprises Insuring Your Boat Before Transport

Don’t take it for granted that your policy has all the bells and whistles. Talk to your insurance agent and find out specifically what is and is not covered by your current policy. Most insurance agents would be more than happy to work with you to add the coverages you need for your own piece of mind.

Is Your Boat Covered?

The question remains: even if you have boat insurance, is your vessel going to be covered while being transported over land?

There are two options for moving your boat over land. One option is to tow the boat yourself. The other option is to employ a professional transportation company. 

The “Float Your Boat with Confidence” article includes a quote from the vice president of underwriting at Boat U.S., Mike Pellerin. He states that boat insurance never covers liability in the case of being towed on a trailer. According to Pellerin, if you cause damage to somebody’s property with your boat/trailer, the liability is tied to your automobile policy.

Check with Your Insurance Agent

Pellerin is very adamant that you should check with your insurance agent before transporting your boat. You may require additional coverage.

According to the article “Can Boat Insurance Cover My Boat on Transit” on the AFI Insurance website (www.afinc.net), most boat insurance plans can include road transit coverage provided your boat is under 30 feet long. 

Avoid Surprises Insuring Your Boat Before Transport

However, the safest way to transport your boat is with a professional transportation specialist. In fact, AFI indicates that some insurers will cover road transit of larger vessels provided that transportation is done by a professional company, and provided that you notify the insurance carrier in advance.

Dealing with Complications

One of the complications of relocating a boat over land is that the hull of the boat is designed to be supported by water. To avoid damage to your craft during land transport, you need to have proper support under the hull for the full trip. 

While the kind of boat trailer that you would use to tow your boat yourself provides the proper support, those trailers are not designed for long distance travel. Traveling at highway speeds, a boat trailer’s wheels and axles can easily overheat. It is recommended to stop every 30 minutes to let the axles cool down. Unless you are only transporting your boat a short distance, professional transportation is probably the safest and most convenient way to go.

In terms of professional transportation of your boat, there are a few options:

  • Roll On, Roll Off Loading is a convenient alternative are able to offer. Under this type of transport, your boat is placed on a trailer and secured. The trailer is then moved onto the transportation vehicle as a single unit. The boat rides in this manner for the entire trip and then is easily wheeled off once the journey is complete. This allows proper support of the hull for the full trip.
  • Flat Rack Shipping is an option for over sized boats, wherein a technical team creates a custom cradle that specifically matches your boat’s dimensions. This is considered the ideal mode of transit.
  • Enclosed Container Shipping is a worthy option for standard sized boats. In this case, boats are matched to a container designed for vessels of their particular size. 
  • Submersion Shipping involves loading your boat from in the water. Considered the most convenient shipping option, the boat is then unloaded into the water at the end of the trip.

Affordable and Convenient

The cost of relocating a boat across land with a professional transport company will take into account the size of the boat and the distance it is traveling. In most cases, using a professional transportation company is going to be your best option. You’d be surprised at how affordable and convenient it can be.

No matter whether you chose to use an experienced professional or you choose to tow the boat yourself, you’ll want to make sure your boat is properly insured – both for the journey and for carefree enjoyment upon arrival.



Joe WebsterWritten By:Joe WebsterConnect with Joe Webster on facebookConnect with Joe Webster on linkedin

Joe Webster began his journey in the auto transport field by attending the University of Southern California (USC), where he graduated with a Bachelor of Business Marketing. 

After college, he started his career in the auto transport industry from the bottom up and has done virtually every job there is to do at A-1 Auto Transport, including but not limited to: Truck Driver, Dispatch, Sales, PR, Bookkeeping, Transport Planner, Transport Manager, International Transport Manager, Brokering, Customer Service, and Marketing. Working with his mentor Tony Taylor, Joe Webster has learned the ins and outs of this industry which is largely misunderstood. 

With over 30 years experience in the industry, we've been helping people ship their vehicles, motorcycles, RV's, heavy equipment, household goods and more across the country or overseas without a hitch. Ask us anything.

Email me - info@a1autotransport.com

Satisfied Customers

“I am meticulous when it comes to everything. At first, I was thinking of just driving all the way to Illinois from New Jersey. A friend recommended me to go to A1 Auto Transport and told me a lot of good things about them. I refused initially because I had filed a 4 day leave just to drive and visit my mother. But things did not go well. My boss asked me to cancel my leave because a very important client asked for an urgent meeting, and the manager could not attend to it. I was hopeless and took the risk of asking help from A1. The notice was short and I forgot I needed to inform them in advance. After a couple of hours, I received a call and they told me they found a way to book me with no extra fees. I am so thankful I got to attend to my work matters. I did not get to see my mother, but the vehicle and items inside it were in perfect condition as if it was me who took care of it. I owe you guys big time! I got one huge deal from our client.”

“The plan was to ship my car from California to Utah. I went through nearly 20 quotes after using an auto shipping site which linked to a bunch of brokers. Finally, I found A1 Auto Transport, a company with its own trucks with great reviews. I was sold. Joe was very competent, gave off the impression he’d done this a million times, and it really showed throughout the transport. He listened to my request carefully, offered me several options, stayed in touch during the transport, and made sure I was happy with everything. Overall, a great company which I would definitely recommend to others!”

“I’m so glad I met you Joe!! A truly fortunate experience. Having to transport a car to Minnesota, I was stunned to see the company, who was supposed to take care of it, just vanish. I couldn’t reach them anymore, like they went bankrupt overnight. However, I was lucky enough to not pay anything, so I simply researched some more until I found A1 Auto Transport. Joe answered my call the first time and we soon agreed on a date and a quote. Unfortunately, I got caught up in work and forgot about it. The order was not confirmed, so Joe must’ve thought I changed my mind. I called him the next day and arranged for a new date. This time, I made a note on my phone and it went well. I replied to his email this time, and the driver arrived at a parking lot down the street on time, as promised. The driver was nice enough to not mention my previous mistake. He delivered my car in just 3 days. Upon careful inspection, there were no scratches or damage done to it during transport. Joe was there along with the driver and they both waited patiently until I was satisfied. Thanks!”

“A1 Auto is kind of like your favourite mom and pop pizza parlour, the one you can’t get enough of despite all the new, expensive avant-garde pizza shops that have mushroomed conspicuously across the entire neighbourhood and seem to have taken over the whole world...but not you. Because you value quality and genuine customer service, and know this business understands and works doubly hard to give you your money’s worth. I’ve been using A1 Auto Transport whenever I left California for business: they may not be the cheapest car transporters around, but the sheer professionalism, dedication, and heart they put into their work is just amazing and worth my every dime. I’m probably one of the most sceptical people you would ever meet. I’m rarely convinced when bombarded with dubious, self-congratulating ads of companies that look like they’ve spent tons of money on marketing materials just to lure your average guy in. A1 Auto Transport is the complete opposite of these companies. My car always arrived promptly on schedule, never with a hint of scratch or dirt or damage, and they keep me updated every step of the process. When you’ve found a company whose genuine care for their customers comes naturally, you stand by them no matter what. It’s the most logical thing to do.”

“A1 Auto Transport helped me move a vehicle to Iowa from Houston. I was a bit nervous, no knowing much about such services. Thanks to Joe, I was able to clear the fog a little. He answered all my questions and explained everything in a way that left no room for interpretation. The details were straightforward. I picked Sunday as the pickup date, since I wasn’t at work, and they accommodated me. The truck arrived an hour early, yet the driver patiently waited for me to arrive. He thoroughly checked my car for scratches or anything that might affect the transport then drove it onto the truck. I was given a 2 day time window during which the car was supposed to arrive in, and it got to Iowa in the evening of the first day. The trip didn’t damage it at all. Next time a friend wants to move, I’ll surely recommend A1 Auto Transport.”

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3401 E Randol Mill Rd
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NO. 018191NF
CFR Rinkens
15501 Texaco Avenue
Paramount, CA 90723
NO. 013055NF
ABC Worldwide LLC
2840 NW 2nd Ave #105
Boca Raton, FL 33431
NO. 025472F
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435 Division Street
Elizabeth, NJ 07201
FMC 22206
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45 Campus drive
Edison, NJ 08837
NO. 17858N
ShipYourCarNow LLC
1160 South Rogers Circle Suite 1
Boca Raton, FL 33487
NO. 025646
Merco Air & Ocean Cargo, Inc.
6 Fir Way
Cooper City, FL 33026
NO. 021869F
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