Watercraft and Boat Insurance in Sunrise, FL
Taking your boat out on the water is one of the great pleasures of living in Florida, but accidents, storms and theft can turn a great day into a costly one. Watercraft and boat insurance may help cover those financial risks so you can spend more time on the water and less time worrying about what could go wrong.
How Does Watercraft and Boat Insurance Work?
Watercraft insurance works similarly to auto insurance. You pay a premium, and in return, your insurer agrees to cover certain losses up to your policy limits. If your boat is damaged in a collision, stolen from a marina or causes injury to someone else on the water, your policy may step in to help cover repair costs, replacement costs or liability claims.
Who Needs Watercraft and Boat Insurance?
If you own any of the following, coverage is worth considering:
- Motorboats and speedboats
- Sailboats
- Personal watercraft such as Jet Skis
- Pontoon boats and fishing boats
- Ski boats and wakeboard boats
Some states require minimum liability coverage for registered watercraft. Even if it is not legally required, marinas may require proof of coverage before allowing you to dock.
What Does My Policy Cover?
B R Taxes and Insurance can help you build a policy that may include:
- Physical damage to the vessel from collisions, fire or severe weather
- Liability coverage if you injure someone or damage another boat
- Medical payments for injuries to passengers
- Theft and vandalism coverage
- Towing and assistance on the water
Coverage limits, deductibles and exclusions differ from one policy to the next, so checking your policy for specifics is important.
Consult an Agent Near You
Contact B R Taxes and Insurance today for personalized guidance on watercraft and boat insurance. Our team can discuss your coverage options in Sunrise, FL and recommend suitable policies.