Watercraft Insurance FAQ

Q. Is watercraft insurance a legal requirement?

A. According to the Florida DMV, boaters insurance is not a legal requirement in Florida. However, it can help protect you financially in many situations. We can help you choose a deductible and an amount of liability coverage that will help prepare you for the unfortunate event of an accident where you are at fault.

Q. What if I am the victim of a boating accident?

A. If you are in an accident in which you are not the at fault, the other driver’s insurance will be responsible for the damages. If he or she does not have liability insurance or if they don’t have enough  insurance then you can use uninsured/underinsured boaters coverage to cover the costs.

Q. What can my watercraft insurance cover?

A. In addition to liability coverage, watercraft insurance will always cover the owner as well as the passengers. With comprehensive coverage your insurance plan will also cover theft of the boat and collisions with things such as rocks, logs and other marine obstacles.

Different providers will additionally cover water skiers being pulled by your boat, possessions aboard your boat, engine damage and blow outs, and hurricane damage.

We will work with you to get you the exact coverage for your needs!