With the amount of access to waterways in Florida, a lot of people own a personal watercraft. Who wouldn’t love to take an afternoon to float away your cares on a pontoon boat? Or strap on skis and glide over the water behind a powerful speed boat? Those are fun activities, but making sure that you are prepared by having boating insurance before heading out for a day in the sun is important.
Why do I need Boating insurance?
Boating insurance is key to protecting yourself and your investment. No one plans to have an accident. Just because you are a conscientious boater does not mean that other people adhere to safe boating practices. Accidents happen and you need to be prepared. There is always a risk of damage to your boat, theft of your belongings, and also bodily injury while out enjoying a day on the water.
What does Boating Insurance cover?
Typically, a policy will cover expenses to any damage to your boat, the trailer, and your personal belongings due to an accident or theft. It also covers any medical expenses for you and your passengers and liability of any passengers on your boat that get hurt.
Some boat owners mistakenly assume that their homeowner’s insurance policy will provide coverage. It is possible that a homeowner’s policy will cover small non-motorized watercraft or a sailboat, but the majority of boats are not protected.
You can see why having boating insurance is very important!
Be worry free on your boating outings by preparing now for any unfortunate incidents. Accidents aren’t planned, but you can plan on protecting yourself in the event that one happens.
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