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270 S Tamiami Trail
Venice, FL 34285

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America's Insurance Associates Blog

Benefits of Insuring Your Boat

Do you live in or near Florida? Do you own a boat? Is it insured?  If not, Americas Insurance Associates can help you. 

What is boat insurance?

It financially protects you from any damage or injuries you cause to others while boating. It also protects your boat and trailer if they are stolen or vandalized. Fishing boats, powerboats, pontoon boats, and other watercraft such as Jet Skis are all covered by boat insurance.

Boat insurance is similar to home insurance. If someone is hurt on your boat, you will be covered. You may obtain collision and comprehensive coverage for your boat in the same way that you can for your automobile.

If you are financing your boat, your lender may require insurance, and most marinas will require it if you moor your boat there. If your boat is stolen or totaled, you can choose between actual cash value and replacement cost coverage when selecting your coverage. The coverage you select determines your costs and how much the insurance provider will pay on a claim.

Boat docks are not covered by a boat insurance policy. If the dock is on your property, the homeowners’ policy will cover damage caused by hail, fire, lightning, or windstorms.

The amount of boat insurance you require is determined by various factors. The boat’s age, motor size, valuation, lender criteria, marina, state restrictions, and intended use. When choosing a coverage amount, it is a good idea to assess risk tolerance, budget, and personal assets.

Give Us A Call

Americas Insurance Associates can provide you with a no-obligation quote or answer any questions you may have regarding this coverage.  We understand the needs of boat owners in Florida and are ready to help create a custom policy that best suits your needs. Contact us today. You will be glad you did.


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