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Boat Insurance: Your Ship Might Get Sunk Without It

If you’re a responsible driver, you wouldn’t get behind the wheel of a car without proper auto coverage. If you own a boat, hitting the water without adequate boat insurance is no less risky.

Owning a boat comes with unique risks and liabilities. As a responsible boat owner, you need to make sure you’ve got sufficient coverage to protect yourself, your family, your property and your investments.

You have a responsibility to your water-faring neighbors, too. What would happen if you were found legally liable for an accident on the water involving damage to another’s person or property? Without adequate boat liability insurance, a cash judgement against you (along with associated legal fees) could easily force you into bankruptcy. Don’t let it happen!

What Does Boat Insurance Cover?

Typically, boat insurance policies cover the most common perils related to physical damage to the boat:

Sinking

Fire

Storms

Theft

Collision

Typical boat insurance also covers damage to a range of boat-related items and property. Such property includes the boat itself and motor, along with the trailer used to haul the craft to water. Equipment permanently affixed to the boat is also routinely covered, along with anchors, oars, trolling motors, extra fuel tanks, tools, removable canopies, seat cushions, life jackets and preservers, skis and tow ropes, dinghies, and more.

Many boat insurance policies also cover labor costs for repairing and/or replacing your boat and associated equipment. And most policies provide basic liability coverage. Liability isn’t required by Texas law, but you risk losing everything without some degree of liability protection.

Similar to the way other policy types work, boat insurance premiums will depend on the agreed-upon values of the policy and your chosen deductibles. These limits can be extremely important in the event of severe damage or of a total loss, so it’s important to choose carefully.

Does Florida Law Require
Boat Insurance?

The short answer is “no.” However, state law isn’t the only consideration. For example, if you purchase a boat or other watercraft on loan, your lending institution will probably require you to carry boat insurance. If you store your boat at a marina or boatyard, said facility might require you to maintain a certain level of boat insurance.

Why Comprehensive Boat Insurance?
It’s the Right Thing to Do

If all of the above isn’t reason enough to carry a comprehensive boat insurance policy from Morrow Insurance Group, how about this: Protecting your passengers and your water-going neighbors with adequate boat insurance coverages is the right thing to do. Plus, a boat can represent a sizable investment. Even if you bought your boat with cash, could you afford to just throw that money away and buy a new boat if something happened?

For a FREE Quote on Boat Insurance on Florida’s First Coast,
Contact Morrow Insurance Group

A comprehensive boat insurance policy from Morrow Insurance Group will help shield your assets against unexpected trouble on the waters. If you’re shopping for boat insurance in Callahan FL, we’d be thrilled to hear from you. As an independent insurance agency on Florida’s First Coast, we partner with numerous insurance carriers, and can comparison shop on your behalf!

If you’re ready to start a new friendship with a boat insurance agency that wants you make informed coverage decisions, call Morrow Insurance Group today at 904-261-0707. Or for a free online boat insurance quote, fill out the form on this page.