Watercraft Insurance

Florida

Boat & Watercraft Insurance

For most people, owning a boat can be a dream come true. Whether you're out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy, you can relax and enjoy your time away knowing that you're adequately insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vessel: yachts, performance boats, sailboats, bass boats, jet skis, wave runners. We can help you find the best Boat insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.

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LET US KNOW Tell us about your insurance needs.

It’s essential to understand what your coverage options are — not just for your Boat, but for you, and to others.

Learn more about Boat Insurance Insurance Coverage Understanding the different types of coverages can help you find the right Boat Insurance policy for your needs and budget.

Why do you need Boat & Watercraft Insurance?

Find out more

What does Boat & Watercraft Insurance Cover?

Find out more

What does Boat & Watercraft Insurance Cover?

Find out more
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Just request a quote to find out.

Why do you need Boat & Watercraft Insurance?

For most people, owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy, you can relax and enjoy your time away knowing that you’re adequately insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vessel: yachts, performance boats, sail boats, bass boats, jet skis, wave runners.

Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft and its motor against potential loss due to:

Here are some specific benefits of personal boat insurance:

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What does Boat & Watercraft Insurance Cover?

The insurance coverage you need depends on a number of factors. Do you spend time on the open ocean or stick to a lake closer to home? Do you boat year round or spend time on the water only during spring and summer?

Your policy also extends to protect extra equipment attached to your vessels such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is also available.

Boat insurance policies include liability coverages, vehicle coverages, coverages for yourself, and other optional coverages.

A few coverages that are available through most policies as either required or optional protections and includes:

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Liability Coverages
Bodily Injury Liability

Pays damages for bodily injury or death resulting from an accident for which you are at fault.

Required
Property Damage Liability

Pays for damages to other people’s property resulting in an accident you are at fault.

Required
Medical Coverages
Personal Injury Protection
Pays the insured for bodily injury or death resulting from an accident regardless who at fault.
Required
Medical Payments
Pays the insured for medical expenses related to a car accident.
Optional
Vessel Coverages
Physical Damage

It covers you in the event of damages to someone else’s properties cause by your vessel

Optional
Equipment

If you have equipment such as skis, towables, or gear with your vessel, equipment coverage covers that equipment.

Optional
Uninsured Coverages
Underinsured and Uninsured

Pays for your injuries or property damage accidents caused by another boat lacks adequate insurance.

Optional
Additional Auto Insurance Coverages
Along with these common coverages, some insurance companies also offer:
  • Emergency Road Service
  • Rental Reimbursement
  • Towing

What does Boat & Watercraft Insurance Cover?

Boat & Watercraft Insurance vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence an Boat & Watercraft insurance rates.

Your Boat & Watercraft Specs — Vessel value, motor size, age, and how you use it..
Location — Florida insurance is different from insurance in other states for many reasons, like a higher risk of storm and flood damage, and access to boating year-round.
Personal Factors — Your habits can affect your boat or watercraft insurance premium. Ex: smokers may pay more, good credit history can lower the premium.
Protective Devices — Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.
Claims History — Claims on a past Boat & Watercraft ownership insurance policy
The Coverages You choose — Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you’ll pay.
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WHY CHOOSE WE INSURE?

Choice

Florida Top-rated Insurance Companies.

Experience

Florida Top-rated Insurance Companies.

Support

We’ll be there for you whenever you need us.

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