Watercraft Insurance

When deciding on watercraft insurance, protecting your investment is most important. The average insurance coverage is very affordable and can be tailored to provide comprehensive protection for you, your friends and family, your watercraft, and your equipment. There are many insurance coverage options available that could make your time on the water relaxing and worry-free. We can help you navigate your needs for boat insurance, yacht insurance, charter boat insurance, commercial marine insurance, and more.

Watercraft insurance coverage to consider:

• Emergency Assistance. Emergency assistance provides coverage for towing, delivery of gas or oil, a loaner battery, and possibly labor if your watercraft is disabled while on the water.
• Personal Effects. Coverage is available for many personal effects, including cell phones, scuba/snorkeling equipment, fishing equipment, and more. Limits vary, so check with us for what’s required in Florida.
• Liability. Personal liability coverage like car insurance provides coverage to other boaters in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
• Medical Payments. Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. Coverage amounts are flexible and insure you, your passengers, and even your water skiers/tubers, regardless of who is at fault.
• Uninsured/Underinsured Watercraft Bodily Injury. Boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
• Physical Damage Coverage. Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
• Fuel Spill Liability and Wreckage Removal. Environmental hazards can be very expensive to clean up. Should your boat sink or be seriously damaged, leak oil or fuel into the water as the boat’s owner, you are required by law to have this cleaned up.
• Navigational Area. Where are you covered in the water? Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline. In Florida, coverage for additional areas can be purchased.

Contact us today to discuss your watercraft insurance options.