Safe harbor for your boat

Melted snow and ice behind it, overgrown with grass and trees turned green. Add to that the steady increase in air temperature and the amount we wish to break out of the stone dust under the name "city" in nature.
Not all of us are limited to barbecue on the banks of a river or other body of water. There are those who can not imagine a trip without deprivation of the suburban life of fish, as well as just walking on the water without their own vehicle.
These funds are different and, as experience shows, they also need to insure, as well as common ground. Let the water - it's more relaxed element than the track, but also to use small boats and a sufficient number of hidden pitfalls.
So, why can insure your beloved means of transportation on water? In general:
total loss or damage;
just a total loss;
of embezzlement, theft, loss of a ship without a trace;
insurance liability for the collision with other vessels;
insurance liability for damage to floating and fixed objects.
Naturally, different insurance companies offer different options, which may differ from competitors. I suggest staying on the first two paragraphs as they are most vital.
A. In the event of total loss or damage shall be reimbursed:
· Losses due to total loss of the vessel (actual or constructive) as a result of force majeure or other cases of random during operation and storage vessel;
· The costs of eliminating damage to the hull, machinery, vehicles and equipment of the vessel, obtained during operation and storage of the vessel as a result of force majeure or other circumstances, wearing a casual nature;
· Losses due to loss of the vessel missing, stolen, or theft of the vessel as a whole or its individual parts (* note: in order that the vessel was officially recognized stolen and not stolen, have to wait. So that is insured against theft);
· Loss due to damage or complete destruction of the vessel as a result of unlawful acts of third persons against the insured vessel;
- Also reimbursed the necessary and reasonable expenses for the salvage of the vessel;
· Necessary and reasonable costs to prevent, reduce losses, or the establishment of their size, if such damages are caused by an insured event, provided the insurance contract.
Two. In the case of total loss of the vessel shall be reimbursed:
· Losses due to total loss of the vessel (actual or constructive) as a result of force majeure or other circumstances, wearing a casual nature;
· Losses due to loss of the vessel missing, stolen, or theft of the vessel;
· Losses due to total loss of the vessel as a result of unlawful acts of third persons against the insured vessel;
· Necessary and reasonable expenses for the salvage of the vessel;
· To prevent, reduce losses and determine their size, if such damages are caused by an insured event, provided the insurance contract.
I was given only a basic set of options, but the IC may offer a wider range of coverage of insurance risks. For example, insurance coverage may also be at risk of environmental pollution due to discharge (spill) of oil or other leaks of hazardous (harmful, polluting) substances and wastes.
Since damage to the vessel can be applied not only on the water (collision with other vessel or object) or ground (shipping damage), but when launched.
If you do not forget to negotiate insurance of all risks to insurers, as well as limit the cost.