The navigation territory defines where the owner may or may not take the insured boat. Navigation territory may be extremely limited or very broad within the following categories:

1. Port

a. Port Risk Ashore – the insured vessel is not in the water. For the duration of coverage with this navigation territory, the vessel may not be placed in the water. If the owner decides that he wants or needs to put the boat in the water, he must contact the underwriter and negotiate coverage for a different territory.

b. Port Risk Afloat – the insured vessel is in the water but it may not be navigated anywhere. If the owner decides to move the vessel, he must contact the underwriter in order to determine if coverage is affected. Whether the boat is towed away for maintenance or moved under its own power to a new mooring, it is essential to contact the underwriter before the move to work out any coverage issues. In general it can be assumed that moving the boat out of danger such as fire or collision, but prompt communication with the underwriter is always advisable.

2. Inland and coastal navigation

This navigation territory generally extends no more than 5 miles from land. In the event of a situation where the outmost island of a group is more than 5 miles from the continental coast, it would likely be acceptable to cruise the islands as long as no single transit from island to island puts the boat more than 5 miles from land. However, it would always be advisable to discuss such a situation with the underwriter before embarking.

3. Navigation not more than a specified distance offshore

This navigation territory is negotiated specifically for the type of boat covered. A bass boat with an outboard motor would have a different limit than a 50-foot cruising sailboat. The limit for a fully-equipped cruising sailboat with an experienced crew might be as much

Beautiful boating weather; many boat owners are only able to dream about it. However, if you live in or around the Chula Vista area is likely that you do not have to dream about beautiful boating whether. This is because the majority of the time you are blessed with calm, but beautiful waters, which are ideal for boating. While your foremost concern may be with the weather, it is not the only thing that should be on your mind.

When it comes to boating, there are many boat owners who are uninsured. If you are one of those individuals you may not only be putting your boat at risk, but your own personal finances as well. If you are currently without Chula Vista boat insurance, you are encouraged to at least consider obtaining it. With a small amount of research and careful examination, you may be surprised with all of the different ways that you can benefit from having a Chula Vista boat insurance policy.

Perhaps, the greatest benefit of having Chula Vista boat insurance for your boat is that it is protect. While your boat insurance will not prevent your boat from becoming damaged, it will help to protect your boat afterwards. In the event that you need to file an insurance claim and your claim is approved, you will be given money to pay for your boat repairs. This means that if you have a Chula Vista boat insurance policy, you do not have to have secondhand repairs. Your boat deserves the best and with a valid insurance policy, you may be able to give it the best.

In addition to offering your boat protection, you will also find that a Chula Vista boat insurance policy will also help to protect your finances. As previously, mentioned you will be awarded money to repair your boat, if you have a valid boat insurance policy. If you do not have Chula Vista boat insurance coverage, you will find that you have to pay for your own boat repairs, often out-of-pocket. Depending on your current financial situation, you may find it difficult or impossible to make the needed repairs.

Another benefit of Chula Vista boat insurance is that it may not only help to prevent you from having to pay for your own repairs, but it may also help to prevent you from being sued, especially in the event that a tragic accident occurs. If you boat is involved in an accident, it is possible that your onboard passengers or another boats passengers may suffer some injuries. Depending on the Chula Vista boat insurance plan you choose, your passengers and others may be covered. This means that those individuals would be less likely to approach you in civil court to pay for their personal injury expenses.

As you can see, there are a number of benefits to having your boat covered under a Chula Vista boat insurance plan. In fact, the above mentioned benefits are just a few of the many. Once you make the decision obtain boat insurance, you will likely see just how many benefits there are to being properly protected.