Your
on
-the
-water

Boat
Kit

An expert guide to your boat policy

+ smart boater tips and tricks

3 main

boat coverages

Agreed Value Coverage Image | GEICO Boat Kit

1

Agreed Value

For a total loss, you are paid the "agreed" value at the beginning of the policy term. You'll know exactly how much you would receive, but also pay more premium up front.

Actual Cash Value Coverage Image | GEICO Boat Kit

2

Actual Cash Value

For total losses, your payout is based on the current market value of your boat. You pay less up front, but pay more to get back on the water after a loss.

Liability Only Coverage Image | GEICO Boat Kit

3

Liability Only

In the event of a total loss, you’ll have no boat (hull) or engine coverage but it provides protection for claims against you. You pay the lowest premium, but will have no coverage if the boat is lost, stolen or damaged.

 Do you have enough coverage? 

Check your policy to make sure you have the coverage that's right for you.

Insurance Terms to Know

Consequential Damage

Other immediate damage to the boat resulting from events like fire, explosion, sinking, collision, stranding or dismasting.

Cruising Area

The geographic area or waterway where the boat will be used. Boats taken outside the cruising area may require an extension.

Deductible

The portion of a claim you pay out of pocket. The higher the deductible, the lower the insurance premium.

Depreciation

A measured decrease in value of the boat or its parts and equipment due to age.

HIN

Hull identification number, unique to the boat as a VIN is to a car.

Liability

Who’s legally at fault. Liability insurance provides coverage for third party property damage or personal injury.

Marine Surveyor

Accredited marine specialist who can determine the condition or value of the boat, or if in the event of a loss, assess damage to the boat.

Salvage

Successful rescue of a boat from a perilous or dangerous situation.

Sound & Seaworthy Statement

Confirmation by the boat owner that the boat is in safe and proper condition.

Towing

On-the-water or on-the-road for breakdowns, dead batteries, fuel delivery and (roadside) flat tires on vehicle or trailer. Check your endorsements for coverage with your policy.

Top 10 Reasons Why Boats Sink

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Navigating the waters

Crossing Image | GEICO Boat Kit

1

Crossing

To avoid collision, when two power-driven vessels are crossing, the vessel which has the other on her starboard side (the give-way vessel) must keep out of the way.

Meeting Image | GEICO Boat Kit

2

Meeting Head–on

In a meeting situation, each vessel must alter course to starboard so they will pass each other's port side.

Overtaking Image | GEICO Boat Kit

3

Overtaking

Any vessel overtaking any other vessel (the give-way vessel) must keep out the way of the one they're overtaking (the stand-on vessel).

 Tip 

No matter the situation, always have a proper lookout, operate at a safe speed and give way to another vessel when in doubt. Always avoid collision, even if that means breaking a navigation rule.

Essential Items
To Keep Onboard

Life Jackets | GEICO Boat Kit

Life Jackets

Life Ring Icon | GEICO Boat Kit

Life Ring

Bailer Icon | GEICO Boat Kit

Bailer

Fire Extinguisher Icon | GEICO Boat Kit

Fire Extinguisher

Flash Light Icon | GEICO Boat Kit

Flash Light

Paddles Icon | GEICO Boat Kit

Paddles

Marine Flares Icon | GEICO Boat Kit

Marine Flares

Anchor Icon | GEICO Boat Kit

Anchor

First Aid Kit Icon | GEICO Boat Kit

First Aid Kit

Air Horn Icon | GEICO Boat Kit

Air Horn

VHF Radio Icon | GEICO Boat Kit

VHF Radio

Extra Fuel Icon | GEICO Boat Kit

Extra Fuel


Online Boating Courses

TIP: The BoatUS Foundation for Boating Safety & Clean Water offers a free online boating course that may qualify for your state’s boating license requirements. Visit BoatUS.org/free for details.

Check local requirements. Equipment required onboard varies with boat type, length and your state regulations. Check to make sure your boat is legally equipped before you head out on the water.

Don't Get Stranded

on-the-water towing assistance From
TowBoatUS Logo | GEICO Boat Kit

Need Help? Call 877-585-2628 or use the One-Touch Towing feature on the BoatUS App.

Protection Icon | GEICO Boat Kit

Protection

The average cost of a water tow is over $700. Make sure your policy includes the TowBoatUS® Towing endorsement.

Service Icon | GEICO Boat Kit

Service

Towing services are provided by the nation’s largest fleet with 300+ ports and 600+ towboats from coast to coast.

Savings Icon | GEICO Boat Kit

Savings

The endorsement cost is only $36 to $105 per policy year and is determined by boat length and location—less expensive than other standalone towing services.

On-the-Water Towing:

Unlimited Towing available by endorsement for the insured boat. Visit BoatUS.com for details.

1. 24-hour dispatch

2. Breakdowns

3. Fuel delivery

4. Soft ungroundings

5. Battery Jumps

6. No effect on claim history

7. No deductible

8. Direct payment to service provider

On-the-Road Towing:

Unlimited TRAILER ASSIST® is included in your policy when you insure your trailer. Visit BoatUS.com for details.

1. 24-hour dispatch

2. Jump-starts

3. Lockout service

4. Fuel delivery

5. Flat tires

6. Towing to any facility

*Check policy endorsements for details and exclusions. Call (877) 581-2628 to add to your policy. Not an emergency service.

Step-By-Step
trailer launch checklist

Watch instructional videos on the BoatUS Youtube Channel

Checkmark Icon | GEICO Boat Kit

Move Equipment
Move coolers and watersports equipment from the tow vehicle to the boat. Don’t move the boat down the ramp until all crew has arrived and boat is fully loaded.

Checkmark Icon | GEICO Boat Kit

Disconnect tie-downs & lights
Disconnect tie-downs across gunwales and transom. Keep boat attached to trailer with both winch and safety chain on the bow eye. Disconnect trailer lights from tow vehicle.

Checkmark Icon | GEICO Boat Kit

Install Drain Plug
Remove the transom saver if you use one. This may also be the time to lower the outboard or sterndrive if it won’t bottom out on the way down the ramp.

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Checkmark Icon | GEICO Boat Kit

Roll Down Vehicle Windows
Get pets and passengers out of the vehicle. Remove your seatbelt. This way you can easily escape in case of accidentally sinking the tow vehicle.

Checkmark Icon | GEICO Boat Kit

Position trailer
Position the trailer at the top of the ramp and slowly back down. If the trailer jackknifes or becomes difficult to straighten, go back up the ramp a little way and start again.

Checkmark Icon | GEICO Boat Kit

Park Vehicle
Once you've reached the water level where the boat can be launched, put the vehicle in park, set the parking brake and chock the front wheels if you need extra support.

Checkmark Icon | GEICO Boat Kit

Remove straps / hooks / chains
Remove winch strap/cable hook from the bow eye and the safety chain. Push the boat into the water while your crew holds docklines attached to both bow and stern.

Checkmark Icon | GEICO Boat Kit

Move Boat
Move the boat to the end of the dock or, if possible, to the opposite side of the dock, away from the boat ramp.

Checkmark Icon | GEICO Boat Kit

Move Vehicle
Once the boat is safely off the trailer, pick up the wheel chocks, release the parking brake and drive the tow vehicle up the ramp. Park in a designated area for boat trailers.

Checkmark Icon | GEICO Boat Kit

Roll Down Vehicle Windows
Get pets and passengers out of the vehicle. Remove your seatbelt. This way you can easily escape in case of accidentally sinking the tow vehicle.

Checkmark Icon | GEICO Boat Kit

Position trailer
Position the trailer at the top of the ramp and slowly back down. If the trailer jackknifes or becomes difficult to straighten, go back up the ramp a little way and start again.

Checkmark Icon | GEICO Boat Kit

Park Vehicle
Once you've reached the water level where the boat can be launched, put the vehicle in park, set the parking brake and chock the front wheels if you need extra support.

Checkmark Icon | GEICO Boat Kit

Remove straps / hooks / chains
Remove winch strap/cable hook from the bow eye and the safety chain. Push the boat into the water while your crew holds docklines attached to both bow and stern.

Checkmark Icon | GEICO Boat Kit

Move Boat
Move the boat to the end of the dock or, if possible, to the opposite side of the dock, away from the boat ramp.

Checkmark Icon | GEICO Boat Kit

Move Vehicle
Once the boat is safely off the trailer, pick up the wheel chocks, release the parking brake and drive the tow vehicle up the ramp. Park in a designated area for boat trailers.

 Tip 

Checkmark Icon | GEICO Boat Kit

When backing the boat trailer
Put your hand on the bottom of the steering wheel. When your hand moves left or right, the trailer will go in the same direction.

Checkmark Icon | GEICO Boat Kit Weather Prep Checkmark Icon | GEICO Boat Kit

for your Boat

Hurricane Prep

A plan is essential | Whether your boat is stored in your driveway or at a marina, there are steps you can take to save it from damage in the path of a hurricane. Plan ahead, practice and execute your plan in the days before landfall.


Coverage haul-out | Many boat insurance companies require their policyholders take steps to prepare their boat. Your policy is one of them and may cover some of the costs to prepare. For more information, visit BoatUS.com/hurricanes.

Winterizing

Prepare your boat for a long Winter's nap | What to do with your boat once boating season is over varies by boat and engine type. No one wants a springtime surprise when you’re ready to get back in the water, so take a moment to review the steps you need to take to best prepare your boat for cold weather.


Don't Get Left Out in the Cold | Your boat insurance policy has ice and freezing coverage options. For more information, consult your owner’s manual and visit BoatUS.com/winterizing.

Spring Outfitting

Hover overTap on a square!



Batteries & Terminals
Clean and tighten electrical connections. Coat battery terminals with protective grease, film or spray. Check or replace batteries.

Lights
Check running lights. Clean/tighten connections or replace bulbs. Inspect port lights and hatches for signs of leakage.

Connections
Check VHF and GPS antenna connections. Disconnect and lubricate, then reconnect and test.

Bilge Pump
Test bilge pump and high-water switches and alarms.

Alarms
Test smoke and carbon monoxide alarms, LPG and gasoline fume detector.

Safety Gear
Check and service safety gear, including lifejackets, flares, and fire extinguishers. Replace/recharge as necessary.

Smart Ways to Save Big

Make sure you’re taking advantage of all the premium discounts you’re eligible for.

Save up to 10% with a GEICO auto policy.

Take FREE online boating safety courses at BoatUS.org.

Get a Multi-Policy discount for insuring more than one boat with us.

Automatic savings could come your way with claim-free renewals and more!

If you don’t have any claims, a loss-free credit will be automatically applied beginning with your first policy renewal. We also have diminishing deductibles. Each loss-free year, your deductible will lessen 25%—until it reaches $0!

JoinBoatUS Logo | GEICO Boat Kitfor only $10

JoinBoatUS Logo | GEICO Boat Kitfor $10

With Purchase of Policy

Top Membership Benefits:

1. 6 issues of BoatUS Magazine

4. West Marine Rewards

2. Fuel & Slip Discounts

5. Discounts on Travel

3. Advocacy on Capitol Hill

6. Free MMSI Number

 Join Today 

Visit BoatUS.com/kit for your discounted membership.

Discount Code Icon | GEICO Boat Kit
Discount Code Icon | GEICO Boat Kit

Payments Made Easy

Pick the plan that works for you at GEICOMarine.com/account or through the BoatUS App.

Installments Icon | GEICO Boat Kit

Spread out your payments.

A budget-friendly installment option lets you spread payments out over 4 or 8 payments. Fees apply, but are waived when you use Auto Pay.

Auto Pay Icon | GEICO Boat Kit

Set up automatic payments.

Save a stamp! Sign up for Auto Pay with credit or debit, and never miss a payment or lapse in coverage. Paying in installments? Fees are waived with Auto Pay.

Pay by Phone Icon | GEICO Boat Kit

Pay by phone.

In a hurry and need to make a premium payment? Just give us a call and pay by phone.

Pay by Phone Icon | GEICO Boat Kit

Pay by phone.

In a hurry and need to make a premium payment? Just give us a call and pay by phone.

Text Alerts Icon | GEICO Boat Kit

Sign up for text alerts.

Get payment reminders via SMS. We’ll notify you when a payment is scheduled and send you a payment confirmation. Give us a call at 1-800-283-2883 to sign up.

Paperless Billing Icon | GEICO Boat Kit

Go green!

Sign up for paperless billing and do it all online. The ease of an eBill and ePolicy makes keeping track of your payments and policy documents stress-free. Save a tree by visiting GEICOMarine.com/account today!

GEICO Mobile App | GEICO Boat Kit

Make it Easy: Download
the app

Proof of insurance
Your insurance ID cards can be accessed on your phone.

Manage your accounts
See and pay bills, enroll in Auto Pay, file a claim, get a quote and view insurance policy.

Locate marinas
Find out where you can get discounts on fuel, repairs, overnight slips and more.

Weather and tides
... and more! Check the conditions before you go or while underway.

One-Touch Towing

The fastest way to get assistance on the water or on the road. No boater should be on the water without the BoatUS App!

GEICO Gecko | GEICO Boat Kit
BoatUS Logo | GEICO Boat Kit
BoatUS Logo | GEICO Boat Kit

Content provided by BoatUS and the BoatUS Foundation. Boat Kit content is offered for informational purposes only. Requirements or best practices for your specific vessel, trailer, or policy may differ; please see your policy or owner’s manual for details. Policies and endorsements subject to limits and exclusions. Some discounts, coverages, payment plans and features are not available in all states or in all situations. Boat and PWC coverages are underwritten by GEICO Marine Insurance Company. GEICO Auto policyholders could be eligible for a premium discount on their GEICO Marine Insurance policy. TowBoatUS is the preferred towing service provider for GEICO Marine Insurance. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. GEICO Gecko image © 1999–2018. © 2018 GEICO. Apple and Apple logo are registered trademarks of Apple Inc. ©2018 Google LLC All rights reserved. Google and the Google logo are registered trademarks of Google LLC.