When purchasing something as valuable as a boat, it’s in your best interest to ensure that it’s insured appropriately. Boat insurance can be complex, and determining what coverage you need may be confusing. However, you can think of boat insurance similarly to vehicle insurance, it’s meant to protect you financially in the case of theft, sabotage, or unforeseen weather damage. Here are five helpful boat insurance tips to help you get the protection you need: 1. Compare quotes from multiple insurers Many boat insurance experts recommend you compare quotes from multiple insurers to determine the best month rates for boating insurance. This may mean doing some legwork by shopping around for the best deal. Gathering multiple online boat insurance quotes from well-known companies is a good starting point. From there, your independent insurance agent can help you choose the coverage that best fits your requirements and budget. 2. Insure all year for offseason protection One of the primary motivations for discontinuing boat insurance coverage at the end of each season is to save money. However, fire, weather, and theft are perils that may occur on a boat at any time of year. Boatyards tend to be closed during the winter months, which increases the likelihood of unexpected accidents.