Boat Insurance in Florida

Life on the water should be full of fun, adventure… and a few fish! Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it.

So protect your fun investment with coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance.

Boat Insurance

We specialize in Boat Insurance in Bonita Springs

Watercraft protection is available to nearly all types of boats. Several coverages are built right into the base policy, including personal effects and unattached equipment coverage – and many of our carriers settle total losses at agreed value. Let our insurance agents tailor coverage for your unique needs with our optional coverages.

My Florida Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive insurance protection that protects you, your friends, family, watercraft, and boating equipment.

The average boat policy costs less than a dollar a day. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

In the unfortunate event of a claim, our insurance carriers have a team dedicated to boat losses so they’re handled efficiently by adjusters who are experts on all types of watercraft.

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Boat Coverage Options

  • Navigational Area — Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In Nevada, Florida and Oregon, coverage for additional areas can be purchased.

  • Agreed Value Coverage — Watercraft depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

  • Liability — Like car insurance, personal liability coverage provides coverage to other boaters and boat owners 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. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

  • 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.

  • Uninsured/Underinsured Watercraft Bodily Injury — Since 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.

  • Fuel Spill Liability and Wreckage Removal — Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.

  • Personal Effects — Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. Personal effects coverage does not include jewelry, watches or furs.

  • Unattached Equipment Coverage — This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

  • Emergency Assistance — The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

How to get started on your quote

Our insurance agents are ready to take you call today! There are many coverage options to consider when purchasing your boat insurance policy. Start your boat quote today!

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