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Located in Cape Coral, FL 239-424-8674
Boat
Boat Insurance
FREE Quotes | Walk-Ins Welcome | Since 2008
Click Here for a FREE QuoteFREE QuotesWalk-Ins WelcomeSince 2008
Customizable Boat Insurance Policies
Although boat insurance is not mandatory in the state of Florida, it is highly recommended, and required in some situations. For example, insurance may be required in order to dock your boat in certain areas. Many banks also require insurance on boats that are used as collateral for a loan.
One of the most common reasons why many people opt out of boat insurance is because it is believed that it is covered under the home insurance policy. Having your boat insured is the safest route you can take when it comes to peace of mind. Boat insurance is highly customizable, so call the agents at HRI Insurance today to learn more!
The Benefits of Boat Insurance
When it comes to boat insurance, Florida residents have many options available in terms of policies. Smaller boats on your property may be covered by your home insurance policy, but larger watercrafts and other belongings generally have their own type of insurance. Because the Florida law does not require residents to insure their boats, boat owners are able to customize their policies to fit their specific needs.
It is crucial to understand the benefits of boat insurance before choosing which type of coverage to purchase. Accidents happen, so it is best to be prepared for them. You have the option of choosing from many different coverage options, including overall boat coverage, liability, and medical insurance.
Covering the Damage Costs
Damages caused by boating accidents can be costly in many ways. Having insurance that can help cover these costs can greatly relieve the hassle, stress, and loss of money in the event of an accident.
Because boat insurance is optional, it is possible to be involved in an accident or collision with another boater without liability coverage. This is where uninsured coverage may be a good option for you. This type of insurance can help cover the cost of damages and injuries in this situation.
Boat liability is also an option that can cover costs of damages or injuries caused by you in an accident. Regardless of the type of insurance you choose for your boat, some factors may have an impact on your options, such as the age, size, and type of your boat. Some of the options you have when it comes to boat insurance include:
- Collision coverage
- Comprehensive coverage
- Medical coverage
- On-water towing
- And more
Contact us today to learn more about the various benefits of boat insurance or for a FREE quote on the boat insurance policy that will suit your needs!
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of Florida Association of Insurance Agents (FAIA)
239-424-8674