Call Us 813-803-7767 ☰ ˟
Logo
Manage Policy Get a Quote
813-803-7767
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto Quote Form (short)
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Flood
    • General Liability Insurance
    • HealthImage of right arrow
      • Health Insurance Quote
      • Disability Insurance Quote
      • Long Term Care Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
      • Homeowner Flood Quote Form
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Limousine
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Trucking
    • Watercraft & Boat
    • Windstorm
    • Workers Compensation
  • Customer Service
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
    • General Liability Insurance
    • Other
  • Blog
  • Resources
    • Refer a Friend
    • Insurance Glossary
  • About Us
    • Location Map
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home Icon Automobile Icon Boat Icon General Liability Icon Church Icon Workers Comp Icon
Home > Blog > Is Boat Insurance Required in Florida??
FRIDAY, OCTOBER 16, 2020

Is Boat Insurance Required in Florida??

Is Boat Insurance Required in Florida?

a small boat in a body of water 

Florida is a gorgeous state with plenty of beaches ready for boaters to take off across the water. During spring break and in the summer, vacationers flock to Florida’s beaches, setting out on boats until the sea is crowded with bobbing boats. Driving a boat with so many other vehicles on the water can be dangerous, and it’s important to have enough insurance to cover a possible accident. It may come as a surprise, then, that Florida doesn’t require boat insurance. 

Though not legally required, boat insurance is incredibly important to protect yourself, your passengers and other boaters.  

What Does Boat Insurance Cover? 

Boat insurance provides compensation if your boat is damaged or lost due to certain covered incidents. It covers: 

  • Physical loss or damage of the hull, machinery, permanently attached equipment and the rest of the actual boat. This includes theft. 

  • Liability for property damage or bodily injury. This may also cover legal fees if the victim decides to sue. 

  • Guest passenger liability covers legal expenses if a passenger operating your insured boat causes damage or bodily injury. 

  • Medical payments cover medical expenses if you and your passengers are injured on the boat. 

  • Towing. 

It’s not just other boaters that pose a danger to your boat, either. Florida is known for its intense and often unpredictable storms. If your boat is swept away by a hurricane or damaged by hail and you don’t have insurance, you would be looking to pay for those damages out of pocket. 

Items on your boat may not be covered, but trailer and boat accessories will be. Speak with your insurance agent about the coverage your boat insurance policy provides. If you keep equipment such as fishing gear on the boat, it’s important to know whether or not they’re covered. You may also choose to add an umbrella liability policy, which steps in when your boat insurance’s liability coverage reaches its limit. This could be useful if you cause an accident with a particularly expensive boat or cause a lot of damage. 

Does My Homeowners Insurance Cover My Boat? 

A homeowners policy generally does cover some of your boat, though the coverage is limited and only goes up to $1,000. It also depends on the size and speed of the boat. If you have a large, expensive or fast boat, you should invest in boat insurance to protect your assets.

Posted 4:44 PM

Tags: boat insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020

  • home insurance(2)
  • business insurance(2)
  • auto insurance(2)
  • product liability(1)
  • homeowners insurance(1)
  • auto(1)
  • insurance myths(1)
  • coverage(1)
  • vehicle insurance(1)
  • boat insurance(1)
  • car(1)
  • premiums(1)
  • general liability(1)
  • commercial auto insurance(1)
  • car insurance policy(1)
  • property damage(1)
  • insurance(1)

View Mobile Version
Facebook
Google+
Get Directions
Contact Us Today
Resources
Products
Customer Service
Payment Options
About Us
Refer A Friend
Our Carriers
Blog
Contact Us
Contact us 27544 Cashford Circle, Suite 102
Wesley Chapel, FL 33544

P: 813-803-7767
F: 866-383-3344
E: agent@flhins.com
© Copyright. All rights reserved. Powered by Insurance Website Builder.