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5 Reasons You Need Florida Boating & Watercraft Insurance

Making sure you and your boat are covered.

With the onset of springtime, warmer weather is fast approaching, which means Florida boaters will be out on the water in no time. Whether you plan to spend spring break jet skiing with friends, deep-sea fishing or relaxing on your luxury yacht, Florida boat insurance and watercraft insurance allows you to rest assured knowing you and your family are protected. Many people think that their water adventures are covered under their homeowner’s insurance, but there are several things that aren’t. You’ll need Florida boat & watercraft insurance for the following coverages:

Uninsured or Under-insured Boaters

If you’re involved in an accident caused by an uninsured, under-insured, or unidentified boater, and you or other watercraft occupants sustain injuries from the collision, this will cover your costs.

Physical Damage

This coverage will pay to have your boat or personal watercraft repaired or replaced after a covered loss. This is typically for a replacement cost settlement.

Medical Costs

If your boat or personal watercraft is involved in an accident that causes injury or death, this coverage will pay for medical or funeral expenses for those involved.

Personal Property

Don’t forget about those personal items like cell phones, cameras, water sports equipment, and more. Should these personal property items be damaged or lost, this coverage will pay to have them replaced. Fishing equipment like rods and reels, electronic gear and more can also be protected.


For bodily or property damage caused by an accident involving your boat or personal watercraft, liability insurance provides third-party protection to cover the costs incurred.

However, you plan to spend your spring and summer days on the water, speak to your insurance agent about Florida boating & watercraft insurance. The last thing you want is for an accident to spoil the fun, so call or stop by the office today to discuss necessary coverage. Make sure you’re covered, so you can relax and enjoy all the seasonal adventures out on the water.




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