Watercraft & Boat Insurance

When you purchase a new boat, it’s essential to protect it from the unexpected by also purchasing boat insurance. 

What Is Boat Insurance? 

Boat insurance helps protect you financially after injuries or damage you may cause to others while boating. A boat insurance policy may also help cover your watercraft and trailer if stolen or damaged. You can typically get coverage for medical payments, liability and physical damage coverage. 

Is Boat Insurance Required? 

While boat insurance isn’t legally required in Florida, it is strongly encouraged. Boat insurance is a valuable investment to protect your boat because it can help pay for damages to your boat and any damages or injuries you cause others. Some coverages to consider include the following: 

• Hull coverage

• Medical payments

• Property damage liability

• Bodily injury liability

• Uninsured/underinsured watercraft

• Personal effects coverage

• Emergency assistance and towing

Boat Safety Tips 

To further reduce your risks while boating, review the following boat safety tips: 

• Ensure that everyone onboard wears a properly fitting life jacket.

• Do not drink alcohol while driving a boat.

• Consider taking a boating safety course.

• Avoid distractions like looking at your phone while driving a boat.

• Drive at safe speeds and follow navigational rules.

• Review what to do if a storm hits.

• Check the weather forecast before embarking.

• Register for a free Maritime Mobile Service Identity number and have a VHF radio equipped with digital selective calling installed and connected to your GPS.

• Familiarize yourself with Florida boating laws.

Boat Insurance Quote in Zephyrhills and Dade City, FL 

If you’re interested in a quote for boat insurance, contact Gene Smith Insurance Agency. We can help you get the insurance coverage you need for your and your boat. Call us at 813-780-8300 for a no-obligation quote.