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First Florida Underwriters Insurance blog

Common Mistakes Florida Residents Should Avoid While Researching Boat Insurance

Based in Orange Park, FL, First Florida Underwriters Inc assists the community by providing residents with access to multiple insurance policies. We are committed to helping our clients find the right policy for their needs.

Boat Insurance

At First Florida Underwriters Inc, we recognize that owning a boat is a major investment. That’s why it is important that you protect your asset. Boat insurance covers you as you operate your watercraft throughout Florida. The policy covers your boat in the event that it is damaged, while also protecting you in the event of a potential liability situation. While you are researching different policies, here are some common mistakes to avoid.

Failing To Research The Policy’s Operating Limits

Be aware that your policy will likely contain language that outlines where you are allowed to take your boat. Research your policy carefully so that you can avoid taking your boat outside of the navigational limits.

Failing To Plan For The Offseason

Make sure that your policy includes coverage during the offseason when you aren’t operating your boat and are keeping it in storage. Even while your boat is in storage, it may still suffer damage. You could be left unprotected in that scenario.

Making Sure That Your Equipment Is Secure

In addition to covering your boat, the boat insurance policy should also cover all of your boat’s equipment. Without protection, you may be left in an uncomfortable position if your ropes are damaged.

Neglecting Liability Coverage

If you enjoy operating your boat while having a good time with your friends, make sure that you have the necessary liability coverage in your policy. Liability coverage protects you in the event that someone is injured while spending time on your boat. The coverage is also beneficial in the event that your boat collides with another watercraft.

First Florida Underwriters Inc Will Help You

If you have any questions about boat insurance policies, stop by our office in Orange Park, FL.