As the summer kicks off, many people are getting out on the
Delaware waterways and oceanfront in kayaks, jetskis, speedboats,
and other personal watercraft. With increased activity on the
water, there are inevitably more boating accidents as well as more
incidents of theft, vandalism, and other damage to boats. It is
important to understand your insurance coverage and the extent of
your liability as a boat owner, and ensure that you have full
insurance coverage for your boating activities in place before an
accident happens.
The law requires car owners to have specific car insurance, and
few people would consider having a car without it. However, most
states, including Delaware, do not require boat owners to have boat
insurance. Many boat owners do not think about insuring themselves
against the risks associated with owning a boat. Some boat owners
assume that their homeowners' insurance will cover boating
accidents and damage to their boat but this is not the
