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A Sea of Florida Boat Insurance

A Sea of Insurance options in Florida

You love your boat.  You love sailing it around the beautiful waters off the coast of FL.  Whether you’re on the Gulf side or the Atlantic side, or even down near the Caribbean, you want to protect your investment.

Florida marine insurance is there to help repair or replace your ship should it get damaged.  Just because you pilot it safely doesn’t mean every boater on the water is as safety conscious.  All it takes to ruin your day on the water is an inexperienced, intoxicated, or careless boater to hit your boat.  Or a storm could come up.  There are many risks inherent in boat ownership.

Float Your Boat

Boats are designed to be in water.  That brings a whole new level of risk to the table for you and your insurance company.  And before you think your homeowner’s policy will cover your boat, read it.  Ask the company before you take that sail boat or power boat for a spin.  If it doesn’t cover it, and it most likely doesn’t, you need specific coverage for your boat.

Did you budget for nautical coverage?  Many owners don’t, as they assume – albeit incorrectly – that their homeowners policy covers their boat.  If not, never fear, cheap boat insurance Florida compliant is available.

Compliance is a word you hear a lot.  It simply means that the coverage is in line with current coverage laws and regulations.  Start with the company you use for your homeowners or renters policy.  If they are different from your auto insurance company, get one from the auto agent, too.

Bundle Up Tight

Don’t forget, a great way to save money is to use one company for everything.  So, while you’re getting a quote, if your home and auto policies aren’t bundled, talk to your agent about getting that done.  It will be one less bill every month, and it will usually qualify you for a multi-policy discount.  Which means, adding your yacht to the policies will not cost you an arm and a leg.

You can still search the internet for “cheap boat insurance Florida,” if that’s what really floats your boat, but don’t count on getting the best rate for just a single policy.  Even if each policy seems really low, when you add them together, you can realize a significant cost savings by bundling.

Don’t get caught at sea without a policy.  Your boat was an investment, treat it as such.  And don’t assume you have coverage.  Ensure you do.

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