SERVICES
BOAT INSURANCE
Whether you own a small fishing boat or a luxury yacht, boat insurance protects your investment on the water. Don’t let an accident sink your finances—get covered before you cast off.
Owning a boat is about freedom, adventure, and time spent on the water. But without insurance, that freedom comes with significant financial risk.
Boat insurance
Is designed to protect you from the unique liabilities and losses that come with watercraft ownership. Whether you operate on inland lakes, intracoastal waterways, or open ocean, the right policy ensures you’re not left financially stranded after an accident, theft, or weather event.
What boat insurance covers::
Bodily injury and property damage liability
if you cause injury to others or damage their property
Physical damage to your vessel
from collision, fire, vandalism, or severe weather
Medical payments
for you and your passengers, regardless of fault
Uninsured boater coverage
if you're hit by someone with no insurance
Personal property
Fishing gear, water skis, electronics, and other equipment
Fuel spill and wreckage removal
required by law in many waterways
Agreed Value vs. Market Value:
Boats depreciate quickly—often the moment they hit the water.
- An Agreed Value policy pays a predetermined amount you and the insurer agree upon when the policy is written. This is ideal for replacing a totaled boat with a comparable new model.
- A Market Value policy pays the current appraised value at the time of loss, accounting for depreciation.
Seasonal coverage:
Many insurers offer policies that are only active during boating season, which can lower your premium. However, year-round coverage protects against off-season storage risks like fire, theft, or storm damage.
Whether you dock in Orlando, trailer to Lake Hart, or venture out to Cape Canaveral, we’ll help you find coverage that matches how and where you boat.
Get a Free Boat Insurance Quote
Benefits
Having liability car insurance helps you avoid financially disastrous out-of-pocket payments for an accident you cause. And when you also have collision and comprehensive coverage, another plus is the valuable protection it provides you for damages to your vehicle.
Coverage
Liability is important coverage to have. That’s because liability is the least amount of coverage you can have and legally drive a vehicle. Liability provides payments for the damage that you cause to other property, and for any injuries for which you are at fault. If you choose, you can add collision coverage that pays for damage to your own vehicle as a result of a crash for which another driver’s insurance will not cover. Then there is comprehensive coverage, which pays for damage to your car that is the result of anything other than a crash. You can also speak to your insurance agent about additional forms of coverage.
Details
Following an accident in which you’re involved, you’ll have to contact your insurance company. The details of the accident will be investigated, and the insurance company will determine your liability and compensate accordingly. You might have to pay a deductible, and after the insurance does its part, you might have an expense.
Benefits
Having liability car insurance helps you avoid financially disastrous out-of-pocket payments for an accident you cause. And when you also have collision and comprehensive coverage, another plus is the valuable protection it provides you for damages to your vehicle.
Coverage
Liability is important coverage to have. That’s because liability is the least amount of coverage you can have and legally drive a vehicle. Liability provides payments for the damage that you cause to other property, and for any injuries for which you are at fault. If you choose, you can add collision coverage that pays for damage to your own vehicle as a result of a crash for which another driver’s insurance will not cover. Then there is comprehensive coverage, which pays for damage to your car that is the result of anything other than a crash. You can also speak to your insurance agent about additional forms of coverage.
Details
Following an accident in which you’re involved, you’ll have to contact your insurance company. The details of the accident will be investigated, and the insurance company will determine your liability and compensate accordingly. You might have to pay a deductible, and after the insurance does its part, you might have an expense.
