The Tampa Bay area has some of the most beautiful boating spots in North America. We know how enjoyable it is to spend the day on a yacht or a simple fishing boat!
Although insurance is not required in Florida on a boat for personal use, it is still a very good idea to carry coverage to protect your personal liability, as well as injuries, in the event of a boating accident.
As a boater, you value your vessel highly; knowing that, we offer you a wide variety of options when it comes to your boat.
Boat Insurance Coverage Options
Physical Damage Coverage Choose actual cash value, replacement cost, or agreed value coverage for your boat, motor, trolling motors, trailer, permanent and portable boating equipment (subject to certain limitations). Partial losses are not subject to depreciation, except batteries, sails, plastic and canvas coverings, outdrive units and outboard motors more than five years old, and personal watercraft.
Roadside Assistance Coverage Pays for towing and labor for covered emergencies.
Personal Effects Coverage Coverage for personal items you take boating, such as cameras and clothing.
On-water Towing & Labor Coverage Coverage to help get you back on dry land.
Fishing Equipment Coverage Protection for your rods, reels, lures, tackle boxes, and electronic gear.
Boat Rental Reimbursement If your boat is disabled more than 24 hours due to a covered loss, this coverage helps pay for a rental boat so that you can get back out on the water.
Boat Liability Insurance Protects against personal injury claims and for damage to the property of others.
Medical Payments Insurance coverage that pays medical bills sustained for the treatment of injuries that are incurred by you or others while operating or occupying your boat.
Uninsured Boaters Coverage Protects against bodily injury to you due to an accident caused by an uninsured boater.
