Boat Insurance: Three Common Claims and How to Avoid Them

When warmer weather arrives in Bethlehem, PA, you may take your water vessel on the water to go fishing, cool off, or simply spend some quality time on the open water with your family and friends. It is important to take care when out on your boat to avoid the need to file a boat insurance claim with an insurer like Saucon Insurance Agency. Here are a few different causes of boat insurance claims and how you can avoid them.

Collision with an Underwater Object

More often than not, this type of accident occurs when you are unfamiliar with an area, inexperienced at operating the vessel or driving carelessly. Underwater objects can include anything from rocks and trees to sandbars and debris. 

It is imperative that you never operate your watercraft while under the influence, and you should always be aware of your surroundings. If you are traveling into unfamiliar waters, utilize a depth sounder. 

Bodily Injury

It is also common for boat insurance claims to involve physical injuries. These types of injuries tend to occur when an inexperienced individual operates the boat. For instance, watercraft passengers can be thrown around rather violently when the boat moves over rough water at excessive speeds. The same is true if you suddenly change direction or speed. 

To help avoid this type of accident, you should ensure everyone is wearing the proper attire, including water shoes, and drive with caution and responsibly. Don’t forget to always ensure your vessel is equipped with life-saving devices in the event of an emergency.


Although it doesn’t happen often, it is possible for a boat to be stolen. This is true with smaller watercraft, such as jet skis. Theft can occur if you don’t take the proper measures to secure your boat, or if you allow the wrong person to take your vessel out on the water. 

More likely to occur than a boat theft is theft on a boat. Therefore, when leaving your watercraft at the marina or anywhere similar, make sure to lock up any valuables you may have on the boat. This can include anything from personal items like jewelry to boat-related accessories like scuba gear. 

If your boat is not currently protected, contact the insurance professionals at Saucon Insurance Agency, serving Bethlehem, PA, so we can evaluate your current boat insurance needs. 

How RV and Camper Insurance Works

When you have an RV or camper, there is specific insurance that you must have for it in Pennsylvania. This insurance is important for protecting yourself financially as well as protecting others on the road. If you have an RV or camper and need insurance for it, give us a call at Saucon Insurance Agency in Bethlehem, PA.

Classes of RVs

When you get your RV or camper insurance, your RV or camper must be classified into one of three classes. This greatly defines what kind of insurance you need and how your policy is laid out. The biggest class of RVs are the class A vehicles. These can be as long as 75 feet and are usually motor coaches or buses that have been converted. The smallest class is class B. These encompass most campers and have a design that does not go over the cab area of the vehicle. Class Cs are made with a cargo van and have a design that does go above the cab. 

Using Your RV or Camper

How often you use your RV or camper also has a lot to do with the insurance coverage that you get. Many people use theirs only occasionally, so there’s no reason why they should pay the same amount for insurance as someone who lives in theirs. Whether you are in there part-time or full-time, you need to have coverage just in case there should be an accident. Other factors in your policy include the age of your RV or camper and how much it’s worth.

Get Your RV or Camper Covered

When you have an RV or camper, it’s important that it always has an insurance policy on it both to stay legal and to keep you financially protected. Call us at Saucon Insurance Agency in Bethlehem, PA.