One Design sailors: If you insure your boat under your homeowner* policy, do you know what is at risk? 

* All homeowner policies are different, be sure to check with your agent.

 Don’t put your boat, your crew, your family and assets at risk.
 Get a quote and buy the One Design Insurance online.

Why insure my boat?
If you do not insure your boat, and lend it to a friend and the friend gets hurt or worse, causes injury to another person, you are exposing yourself, your family and your assets to a possible liability lawsuit.  The One Design Program affords peace of mind that you, or anyone borrowing your boat, is covered for property damage and personal injury.  You will be protected up to the amount of insurance you buy.  All One Design claims are handled by a marine surveyor and if litigation is required, it is handled under maritime law where it belongs, not in civil court where home and auto claims are resolved.

Don't come up short on your boat's valuation:
The One Design Program is an agreed value marine insurance policy offering coverage for the hull with no depreciation.  If you paid & insured your boat for $10,000 in 2001, and you had a total loss in 2005, you would get a check from the insurance company for $10,000.  Partial losses have a deductible, but a total loss does not.  Protect your investment.

A racing deductible keeps the costs down.
A lot of people ask about the higher racing deductible.  The answer is quite simple. There are more claims while racing.  As a result, some insurance companies are getting out of insuring any boats that race.  The New Hampshire Insurance Company underwrites the One Design Program and understands the racing risks.  A higher deductible helps to keep premiums down by having the owner assume more of the risk while racing. 

Do you charter your boat to other sailors?
Anyone can borrow your boat with your permission.  However, if someone pays you to charter your boat, you need to buy charter coverage.  The policy does not automatically include chartering.  The One Design Policy offers two distinct types of charter coverage.  Charter #1 is if you charter your boat to another person. Charter #2 is if you charter a boat, similar to the one insured, anywhere within your navigational territory.  Charter #2 is great for international or cross country regattas.   There is no limit to the number of times you can charter during the policy period.  

Get a quote and buy online.