No matter what type of boat you own and no matter which state you live in, chances are you are required to get your watercraft registered. One thing that isn't required, but is always a good idea, is boat insurance. Here are three things that will persuade you to get this type of insurance.  

1. Boating Accidents Are a Reality

According to the most recent statistics from the American Boating Association, there were 4,463 boating accidents in 2016. There were also 2,903 injuries and 701 fatalities. These accidents, injuries, and fatalities contributed to $49 million of property damage. While the number of accidents does not seem that high, it doesn't mean that your boat will never be involved in an accident.

If you are on your boat and get into an accident, having boat insurance will give you a peace of mind that any damages incurred or damages your boat causes will be covered. Having liability will also ensure coverage in case anyone gets injured or dies while on your boat.

2. Bad Things Happen to Good People (and Boats)

Some boat owners have a lot invested, not only in their boat but the things they have in their boat, like fishing gear for example. Since bad things happen to good people, you'll be glad to know personal property coverage is available just in case something happens to your personal property inside the boat.

If you're worried about something bad happening to your boat, such as getting stolen, vandalized, or damaged in a fire or flood, comprehensive coverage will take care of your boat in these types of scenarios.

3. There Are Ways to Save Money

If you already have homeowner's insurance and auto insurance, most insurance companies will offer some sort of discount when you have multiple policies with the same insurer. Other ways you can save money when it comes to getting boat insurance include:

• Completing a safe boating course
• Becoming a member of a boating club
• Improving your credit
• Adding safety devices or features to your boat

It's important to note that not all of these discounts will apply with your particular insurance carrier, but it doesn't hurt to ask your agent.

Even if you own a slow-moving pontoon, it is susceptible to getting into an accident. Having boat insurance will help you relax even more while you're out on the water, and without it costing you an arm and a leg.