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Boat/Watercraft Insurance in Florida
Owning a boat is an emotional investment of energy, time and financial resources. It's fun, but it comes with responsibilities. Having a boat/watercraft insurance policy in place is one of those responsibilities. Boat/watercraft insurance provides protection for personal watercraft and boats. At First Florida Underwriters in Orange Park FL, we offer boat/watercraft insurance in Florida. Below are some of the coverages that can be found in a Boat/watercraft insurance policy:
- Comprehensive coverage - protects your boat if it's stolen, vandalized or damaged in an accident that doesn't involve a collision.
- Collision damage coverage - pays for the cost of repairing or replacing your boat after a collision accident. When purchasing your policy, you can add clean-up of wreckage to this coverage.
- Property damage liability coverage - pays for damages you might cause to another person's dock, boat or any other property while using your boat.
- Bodily injury liability coverage - pays for medical bills associated with an injury you might cause to a person while using your boat. It also covers pain and suffering, legal expenses, and lost income.
The above coverages are the most common. However, when purchasing your policy, you can have additional coverages that can include but not limited to medical payments, oil spills, personal property, roadside assistance and uninsured and underinsured motorist coverages.
When purchasing your policy, it's wise to approach a respected independent insurance agency. Make sure you read and understand your policy; know what is covered and what is excluded. Consider the extra coverages you might need and have them included in your boat/watercraft insurance.If you are in Florida and you own a boat, jetski or any watercraft, call or visit us at First Florida Underwriters in Orange Park FL to get a policy that fits your lifestyle. Besides being experienced, our agents are friendly and always willing to answer any questions. Get a quote today and enjoy smooth sailing!