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By Alison Cole

One of the supreme delights that a person can obtain is by possessing his own boat. It takes us to the past when adventure on the high seas was a real experience and man was the complete ruler of his dominion as a commander of his ship.

At present there are few places where a common man can be master and leader of his own fate, but a boat is one of them. But possessing a boat is not without peril or cost. Boat insurance is necessary for shielding such an expensive asset.

The two chief aspects of boat insurance are legal responsibility, or security and insurance; and property loss. In some respects, they are managed the same way as automobile or home policies.

When an individual insures his boat for liability, it guards an individual against harm to another person's assets brought about by the boat. It also has provisions for lawful protection, in case one is charged for something that is protected under the boat insurance.

However, there are certain delicate differences from an automobile policy when it comes to loss and damage insurance. The characteristic coverage for loss is either 'actual cash value' (ACV), or 'agreed upon' value.

Boat insurance, which is �agreed upon� for worth, has a money amount printed in the policy, which is the sum, compensated for complete loss. Limited damages are restored at 'for new' prices, implying that there is no reduction imposed, apart from high wear matter like sails, and some machinery. This is the extra-costly alternative to cover a boat.

An authentic cash value policy indicates that if a boat is a complete loss, one will obtain the existing market price, not including the deductible, and suitable reduction for the age and state of the boat during loss.

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If the Jetsons owned a yacht, it would probably look a lot like the Maltese Falcon. The prized possession of Silicon Valley venture capitalist Tom Perkins, the Maltese Falcon is like a sailing computer, equipped with fiber-optic networks, microprocessors and touch screens that have converted the brain and muscle of sailing into a computerized control panel. Now, the only manpower required to hoist and lower its 26,000 square feet of sails is a touch of a button. Likewise, the football-field-sized yacht completed in spring of 2006 is the most expensive and technologically advanced of its kind today. With a price tag hovering around $130 million, the Maltese Falcon navigates more like a video game than a 1,367-ton boat. But Perkins isn't stopping there. He's working on a sports submarine to house on the Maltese Falcon in case he ever wants to play with some whales or manatees deep in the ocean. Think of it as his version of a jet ski.
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The cutter is similar to a sloop with a single mast and mainsail, but generally carries the mast further aft to allow for the use of two headsails attached to two forestays, the head stay and the inner stay, which carry the jib and staysail respectively. This is rarely considered a racing configuration; however, it gives versatility to cruising boats, especially in high wind conditions, when a small jib can be flown from the inner stay.
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Some Boating, Sailing And Marine Stories

How to Outfit Your Boat - Choosing Mooring and Dock Lines

Rope, or line as it called aboard a boat, is an essential boat supply. Not only do you need it to moor your boat and tie off the fenders,...

Indian Ocean Cruising Guide - A free online cruising guide for yachts sailing in the Indian Ocean.

Sun, 18 Jan 2009 15:40:25 +0200
A free, online Indian Ocean Cruising Guide on the World Cruising Wiki - information on passages, all the Indian Ocean islands and atolls, bordering countries, ports, approaches, marinas and yacht clubs, weather conditions, and much more.

Details ....

Sailing Crew Wanted From Gibraltar To St Lucia With Arc 2007.

Mon, 27 Aug 2007 18:23:05 +0200
Boat details: Island Packet 420 - 44 foot cruising sloop, fully equipped for long range sailing with two onboard chart plotters, genset, solar panels, wind generator, watermaker, SSB, AIS, radar, and all safety equipment required and recommended by the ARC committee. Sailing crew needed.

Details ....

40' - 45' Bluewater Cruiser?!

Fri, 24 Oct 2008 19:10:48 +0200
I'm looking to purchase my first sailboat and I am in need of some guidance. I was leaning towards a steel or aluminum hull but most do not have a swim step and walk through transom. It sounds kind of odd but the is a top criteria for me. Three reasons: it is easier to land big fish, it is easiers to board from a tender, and I have a dog who loves the water and if she jumps I need to get her back aboard somehow. Do you know of any steel hulled sloop or cutter rigs that have a walk through transom and a swim step?! I am looking at the 40'-45' range.

Full discussion ....

Labels: buying a sailboat | cape dory sailboat

posted by WhaleboatMariner @ 6:25 AM