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First Florida Underwriters Inc. answers five FAQ about boat insurance

Cruising the open waters in a boat is thrilling. Buying boat insurance isn’t. That doesn’t mean it’s not important. Not only does boat insurance protect your investment, but it prepares you for the unexpected. Only a dedicated policy grants you this peace of mind.

Luckily, First Florida Underwriters Inc. can help. Our agents can answer five common questions about purchasing boat insurance in Orange Park, FL.

What is boat insurance?

Don’t let its name fool you. Boat insurance covers more than just boats. These protections extend to any motorized watercraft. Boat insurance shields against damage or loss and safeguards against bodily injury caused by an accident.

What’s included in boat insurance?

Each policy is unique. However, at minimum, boat insurance contains damage protection, like collision and comprehensive coverage. Liability is also key. This can reimburse any expenses related to bodily harm or property damage if you are found to be at fault.

Is boat insurance required?

Boat insurance is not required in Florida, but some lending companies may mandate a policy. Either way, there are countless benefits to owning boat insurance.

Do I need boat insurance all year?

Yes. Fight the temptation to discontinue your policy during the off-season. This can expose you to unnecessary threats. Accidents can happen year-round. 

Does my homeowner’s policy cover my boat too?

Although there may be some overlap, homeowners insurance coverage for boats is minimal and limited. Typically, claims are capped at certain limits. Only a true boat insurance policy gives the protection needed to cruise the waterways in peace. 

Contact an agent serving Orange Park, FL

First Florida Underwriters Inc. does more than provide answers. Serving Orange Park, FL, their experienced team can find a personalized boat insurance policy that’s right for you. Schedule an appointment today.