Floridian Coastline Insurance Phone954.302.4531
866.252.3752
FacebookTwitterLinkedInGoogle+Blog RSS
Navigation

 


HOME
CAR
BOAT
BUSINESS
Types of Insruance

Watercraft & Boat Insurance


Watercraft & Boat Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Watercraft & Boat Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Watercraft & Boat Insurance Information

Florida Boat Insurance

Serving Fort Lauderdale, Miami and areas across Florida


There's arguably no better place in the United States to own a boat than Florida. With year-round warm weather and hundreds of miles of bays, rivers, intercoastal waterways and ocean shorelines, there are ample opportunities to hit the open water.

That said, there are high costs to owning and operating a boat — and damage to your vessel can lead to a major hit to your wallet. A boat insurance policy can help protect you from this financial strife, but how much coverage should you get for vessel? The expert staff at Floridian Coastline Insurance can help you find a solution that meets your needs and budget. Get started today!

Why Do You Need Insurance For Your Boat Or Personal Watercraft?

You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things To Consider And Questions To Ask Your Agent

Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:
  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft
Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

Additional Resources

Floridian Coastline Insurance

Floridian Coastline Insurance

 
Our Carriers Our Company Services Contact Us More Help
Progressive
Travelers
Mercury
Infinity
UPC
American Platinum
ASI
Federated National
Banker
Banker
Banker
Banker
Banker
Banker
Banker
Banker
Banker
Home
Who We Are
Events
Get A Quote
Customer Service
Refer A Friend
Send A Message
Locations
Employee Directory
Our Blog
Glossary
Frequently Asked Questions
Floridian Coastline Insurance

Powered by Insurance Website Builder

Join Our Newsletter Refer A Friend Our Partners Get A Quote
Floridian Coastline Insurance