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Reliable Coverage, Competitive Prices, and Superior Service - All Backed by One of the Nation's Largest
Marine Insurance Companies
Power your boating passion with our expert coverage! Whether sailboat or powerboat, we safeguard you and your vessel in Florida, offering top-tier insurance and exceptional claims support. While Florida state law doesn't mandate boat insurance, those with a boat lien may still be obligated to obtain a policy. Explore Sunshine State boat insurance and discover savings with us.
What's covered in a typical boat insurance policy in Florida?
Property Damage Liability Coverage
Physical damage coverage offers protection for the boat itself, encompassing damages that occur while the boat is docked, in storage, or on the water. This coverage extends to all components of the boat, including its interior. It can also include coverage for legal expenses associated with the incident.
Bodily Injury Liability
Coverage
Bodily injury coverage, covers medical expenses for injuries that occur on or because of your boat. It includes injuries to guests on your boat and injuries resulting from boating accidents, such as collisions with other boats, paying for medical bills, and related expenses.
Coverage For Fuel Spills
Discharging fuel or oil into U.S. waters is prohibited by the Oil Pollution Act and Clean Water Act, making the boat owner responsible for cleanup expenses in the event of a spill. Boat insurance policies should include coverage for cleanup costs related to fuel spills, usually under liability coverage.
Watersports Coverage
Watersports coverage in insurance offers financial protection for medical expenses during water-based activities like water-tubing, water-skiing, and wakeboarding, providing peace of mind to those who may sustain injuries. It's essential for watersports enthusiasts and boaters to avoid unexpected medical costs.
Wreckage Removal
Wreckage removal coverage is a vital part of boat insurance, assisting in the costly and complex process of safely extracting a sunken boat from the water. This coverage alleviates the financial burden by contributing up to specified limits, offering peace of mind to boat owners, especially in high-risk areas.
Additional Coverage Options
Collision and comprehensive
Collision coverage protects your boat in accidents or collisions, offering financial security for repairs or replacements. Meanwhile, comprehensive insurance extends this protection to a wider array of risks like vandalism, theft, fires, storms, falling objects, and incidents involving animals. These insurance types provide comprehensive coverage, ensuring peace of mind on the water.
Mechanical
Breakdowns
Mechanical Breakdown Coverage for lower units and drives is an economical add-on that handles repair or replacement of motor parts not typically covered by standard policies. It's designed for addressing "wear and tear" issues and can apply to outboard motor lower units or both upper and lower units of stern drive motors in case of mechanical breakdowns.
Marine Towing Coverage
Boat insurance with marine towing coverage offers assistance for towing services when your boat faces problems on the water. This coverage ensures you can get your boat safely to a repair facility or back to shore if it becomes disabled, providing peace of mind and cost savings in a state known for its boating activities.
How much is Boat Insurance in Florida?
Florida is known for having relatively higher boat insurance rates compared to other states. Alongside your chosen coverage, several factors influence the cost of boat insurance in Florida. These factors encompass:
Boating experience
Boating experience matters for affordable and comprehensive boat insurance. Experienced boaters enjoy lower premiums, better coverage options, and discounts. Newer boaters can improve their insurance terms by investing in education and gaining experience.
Boat Characteristics
The cost of boat insurance depends on a few factors like its size, age, model, and insurance terms. Bigger boats may have higher insurance rates, but older boats may be more budget-friendly.
Claims history
Claims history determines premiums and coverage eligibility, including at-fault and not-at-fault claims.
How can I get my Florida Boat Insurance Premium lowered?
Discount eligibility varies by state, but potential methods for lowering your insurance premium consist of:
Original owner
As the original boat owner, you could get an insurance discount. It shows you're a responsible owner and reduces risk.
Multi-boat
Insuring multiple watercraft on one policy saves money and simplifies insurance management. The multi-boat discount also allows for personalized coverage.
Boating Safety Course
Completing a Florida-approved safety course makes you a safer and more responsible boater and qualifies you for potential discounts on boat insurance premiums.
Multi-Policy Discounts/Bundling
Combining boat insurance with other policies saves money, simplifies insurance management, and offers consistent coverage and customization options.
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Experience Exceptional Customer Service
Our dedication lies in delivering outstanding customer service that surpasses your expectations and guarantees total satisfaction.
Our agents are committed to offering the best possible client service at every turn. We understand the complexities of boat insurance and are dedicated to simplifying the process for you.
I had a phone call about receiving a quote for my auto insurance, and they were very kind and efficient at helping me with all my questions.
I called originally to discuss my options for a cheaper 6 month premium, and Jerry was super helpful at explaining everything and setting up my account. He got me a lower rate, explained everything clearly, and was overall an amazing help.
Jerry Farley was extremely professional. Educated me very well on things I didn’t know information on. He made me feel he cared very much about my situation and to get it resolved. I would 100% percent recommend this man. I would give 10 stars if I could!
We're Here to Help You Enjoy Your Time on the Water.
Our commitment to you extends beyond mere words. We are genuinely here to enrich your experiences on the water, ensuring that every moment spent navigating the waves is enjoyable but also hassle-free and safe.
We aim to make your boating experience effortless, pleasurable, and unforgettable, regardless of your level of knowledge on the water.
Set sail with confidence! Get a quote today and experience worry-free boating. Protect your investment, ensure your safety, and enjoy the water to the fullest. Contact us now to discover the perfect boat insurance coverage for your needs.
