• Phone: (239) 247-5125
  • info@cisinsfl.com

Boat Insurance - What you might not know

Dec, 13
0
boat-insurance

boat-insuranceAre you considering boat ownership? Here are a few things you need to know.

Do you have to have boat insurance in Florida?

It is not required to register your boat in Florida, but boating with no insurance is incredibly risky and not recommended. Many parts of Florida are high traffic water ways. Accidents do happen and ending up responsible for damage to your own boat, someone else’s boat or property or worse bodily injury of yourself or others can prove an expensive proposition.

Is my boat insured when it’s not in the water?

Yes, a boat policy would cover the boat whether it is parked or being trailered.

Is my coverage valid regardless of where I launch my boat?

There are navigational limits on many policies. Make sure to check with your insurance agent if you plan on taking your boat someplace out of the ordinary. They may even be able to provide you with one time trip insurance.

How does boat insurance work? Does it work the same way car and auto insurance does?

Boat insurance can vary from policy to policy and company to company.

Coverage will typically include:

Bodily injury – Pays for expenses relating to injuries to others from an accident caused by you. This includes medical bills, pain and suffering, legal costs and lost wages.

Property damage – Pay costs from damage to other property such as another boat or dock from an accident you caused.

Physical damage – Damage to your own boat or trailer.

You can also purchase comprehensive coverage against theft, fire, flood, vandalism as well as personal property insurance to cover onboard items like fishing gear or expensive coolers, uninsured boater insurance and even “roadside” assistance in the event you need to be towed.

You do need to watch for exclusions because boating policies allow “lay up” periods for times when the boat is not in use. Boating during these periods leaves you at high risk and open to non-covered claims should an event take place.

To learn more about boat insurance or get a quote please call us at 239-247-5125 or fill out a free quote form online.

 

 

 

 

 

Dec, 13
0

boat-insuranceAre you considering boat ownership? Here are a few things you need to know.

Do you have to have boat insurance in Florida?

It is not required to register your boat in Florida, but boating with no insurance is incredibly risky and not recommended. Many parts of Florida are high traffic water ways. Accidents do happen and ending up responsible for damage to your own boat, someone else’s boat or property or worse bodily injury of yourself or others can prove an expensive proposition.

Is my boat insured when it’s not in the water?

Yes, a boat policy would cover the boat whether it is parked or being trailered.

Is my coverage valid regardless of where I launch my boat?

There are navigational limits on many policies. Make sure to check with your insurance agent if you plan on taking your boat someplace out of the ordinary. They may even be able to provide you with one time trip insurance.

How does boat insurance work? Does it work the same way car and auto insurance does?

Boat insurance can vary from policy to policy and company to company.

Coverage will typically include:

Bodily injury – Pays for expenses relating to injuries to others from an accident caused by you. This includes medical bills, pain and suffering, legal costs and lost wages.

Property damage – Pay costs from damage to other property such as another boat or dock from an accident you caused.

Physical damage – Damage to your own boat or trailer.

You can also purchase comprehensive coverage against theft, fire, flood, vandalism as well as personal property insurance to cover onboard items like fishing gear or expensive coolers, uninsured boater insurance and even “roadside” assistance in the event you need to be towed.

You do need to watch for exclusions because boating policies allow “lay up” periods for times when the boat is not in use. Boating during these periods leaves you at high risk and open to non-covered claims should an event take place.

To learn more about boat insurance or get a quote please call us at 239-247-5125 or fill out a free quote form online.

 

 

 

 

 

The post Boat Insurance – What You May Not Know appeared first on .

Leave a Reply

You must be logged in to post a comment.