If you own a boat, then will majorly benefit from taking out an insurance policy on it.  In fact, in most areas, you won't be able to take it out on the water unless you have coverage. Boat insurance is important for many different reasons.  The number one reason is that coverage will be provided if anything happens to you or your boat while using it.  Take for example that you're out on the water and you accidently float over a water-covered stump and it jolts you into the side of the boat and you break your arm.  Your boat insurance policy would cover both your medical expenses and the damage to your boat. Boat insurance is also important because it will provide coverage to passengers on your boat if they become injured while boating with you.  Or, if your boat was to run into another boat, and it's deemed at your fault, then coverage would be provided to anyone injured in the accident as well as provide some type of property damage compensation. If you would like more information on boat insurance in Idaho please don't hesitate to contact  Bell Black Insurance today.