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175A Young Ave
Nettleton, MS 38858

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What Risks Come with Boat Ownership?

Nettleton, MS boat owners are not required by law to obtain boat insurance, however, many choose to do so for a variety of reasons. Your Sprout Insurance representative can speak to you about options that may suit your specific needs, as boats can incur damage in a variety of ways. 

Here are some of the following:


Although operators are required to take a boaters safety course prior to sailing, serious accidents can occur, resulting in bodily injury to either yourself, passengers, or third parties in another boat. Another unfortunate possibility is that you can face lawsuits from others whose medical expenses were not adequately covered. In addition, this can be the result of a wreck that you either caused or that you were the victim of. 

Property Damage

This can occur in the water and can happen if you set sail in waters that are too shallow and run aground. Fuel spills can also occur that can affect the environment, roadways, or private property. Your boat can also be involved in a mishap while being transported on land and can be involved in a crash with a moving vehicle. Your personal effects may also be affected, including fishing gear, resulting in a greater total loss. In addition, if your boat is targeted by vandals or thieves, your items may be stolen or your paint graffitied.  

Inclement Weather 

Severe atmospheric conditions can create an environment where a boat can risk perils of all kinds. Storms can pop up unexpectedly, testing your vessel’s seaworthiness, and proper safety equipment onboard is a must, such as life vests and radios with which you can communicate with nearby watercraft. 

Get The Right Coverage For Your Watercraft Today

Reach out to a Sprout Insurance agent in Nettleton, MS today for more details on getting the insurance coverage you need in the event of unforeseen circumstances. We look forward to doing business with you.