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Do You Need Boat Insurance for a Kayak?

Kayaking is a popular activity in Florida, where the waterways offer endless exploration opportunities. A fairly common question that we at Americas Insurance Associates hear from kayakers is whether they need boat insurance. 

Insurance Requirements for Kayaks

In Florida, kayaks typically aren’t subject to any mandatory insurance requirements. However, there are several reasons why you might still consider insuring your kayak. 

Protecting against theft or damage is important, as kayaks can be expensive. Liability coverage is also crucial if you accidentally injure someone or damage property while kayaking. Additionally, having insurance coverage brings peace of mind, especially if you’re paddling in areas with higher risks or traffic.

Understanding Your Homeowners Policy

Your current homeowners’ insurance may already provide some level of coverage for your kayak. It’s important to understand the extent of this coverage, as some homeowners insurance policies may offer limited coverage for kayaks under personal property protection. Others might have all of the protection you need.

Checking your homeowners’ policy is something that one of our insurance agents can help with.

Considering Boat Insurance

Should you need more protection than your homeowners can afford, boat insurance is available. Boat policies can provide substantial coverage for theft or damage and also come with potentially high liability limits.

If you get boat insurance, it’s easy to bundle this with a homeowners policy if they’re purchased from the same company.

Americas Insurance Associates Is Here To Help

For more information about boat insurance and how it can cover kayaks, contact us at Americas Insurance Associates. Our team can help you evaluate how best to insure your kayak, whether that’s through your homeowners’ policy or a separate boat insurance policy.

3 Reasons You Need To Buy A Home Insurance Policy

Owning a home is an excellent reason to learn how to preserve it. After all, isn’t your home your castle? The first step in keeping it safe and secure is to analyze the reasons for purchasing a home insurance coverage. Here at Cary-Wheeler & Associates Inc., we have helped many homeowners just like you in Richmond, VA with all of their house insurance needs.

Here’s a quick rundown of three compelling reasons to purchase home insurance:

You Never Know What Could Happen

Even if you merely get the most basic home insurance policy, your property will be protected against a variety of potential threats. Most basic home insurance policies cover vandalism, tornadoes, hail or wind damage, fire, and other perils. Regardless of how hard you try to keep your home safe from disaster, Mother Nature may be cruel at times. However, having home insurance in place can provide you with peace of mind.

Protects Your Liability

What happens if someone enters your property and is injured? Who will pay for your medical expenses and any property damage? Even if someone has trespassed, you could be held liable if they are wounded on your property. Your liability is safeguarded by home insurance.

Some Lenders Require

If you have a mortgage on your house, the lender you used to secure the loan will almost certainly require you to get home insurance until the loan is paid off.

Reach Out To Us

Want to learn more about important reasons to protect your home in Richmond, VA or do you need help finding a home insurance policy for you? Here at Cary-Wheeler & Associates Inc., we have ample experience helping insure and protect homeowners in Richmond, VA and are happy to help you find a policy that meets your needs today! Give us a call so we can create your quote.

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.

Am I required to purchase boat insurance in Florida?

Boat owners aren’t legally required to carry insurance in the state of Florida. However, boat insurance still has many benefits and may still be required in some situations. Our Florida team at Americas Insurance Associates is committed to helping boat owners understand the benefits of boat insurance and get the coverage they need most. 

Boat Insurance is Not Required in Florida, But You May Still Need It

If you’re financing your boat, it’s likely that your lender will require you to carry insurance, at least until you’ve paid off your boat. Lenders require insurance if something happens to the boat. Insurance would compensate the lender for the boat repairs or replacement if something happened to the boat before it was paid off. If the boat is collateral for the loan you took out, the lender usually requires insurance to cover physical damage to the boat. 

Even if you don’t have a boat loan, you may want to invest in boat insurance as a way to cover any physical damage your boat may sustain or any damage you may cause to other peoples’ property, or any injury to others while operating your boat. Insurance would cover the repair of your boat and any other financial obligation you might be required to cover for damage to other people’s property or injuries to others.

Many people would be unprepared to pay out of pocket for the repair of their boats, other peoples’ boats, or property, as well as injury to others.

Get Boat Insurance Today

If you have questions about different kinds of boat coverage, call us at Americas Insurance Associates in Florida. We can help you explore your options and find the best coverage for your boat. 


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