5 Reasons Why You Need Boat Insurance in Florida

5 Reasons Why You Need Boat Insurance in Florida

Hardly anyone would argue it's best to drive your car uninsured or to leave it up to chance if your homeowner's policy is about to expire. The fact is, we work hard to afford the luxuries we have- whether it's a 2 bedroom ranch a sedan or a boat. Insurance protects our things in the event they are damaged or stolen. It's an important part of taking care of your property and taking care of your wallet in the event something unexpected were to happen. Not quite sure you understand exactly how Florida boat insurance can help? Take a few minutes to read over five reasons why you need boat insurance and make an informed decision if and when you find yourself at the helm of your own marine pleasure craft.

Boat Insurance Florida - Boat Insurance Miami - Marine Insurance Ft Lauderdale

No: 1: You Can Afford to Replace What's Stolen
Theft is one of the top complaints among Florida boat owners. From Miami to Jacksonville and everywhere in between, marinas are susceptible. And think small, not just the boat, but electronics, fishing gear and other valuables. While your boat may be protected in a well maintained and secure marina or even in your own back yard, it doesn't mean it won't be vandalized, broken into or even driven right out of the slip. Thieves are finding more and more effective ways to evade security cameras, guards and even high tech alarms. Miami boat insurance ensures if you lose some or all of your investment, you have the resources to replace it. Without insurance, you may just find yourself sitting on an empty dock scratching your head.

No: 2: Protection Against Uninsured Boaters
Maybe you're an expert captain, extra careful and sure you'll never be the victim of an unintended accident on your boat. Think again. Did you know boat insurance isn't mandatory in the state of Florida? Did you also know there are twice as many uninsured or under insured boaters navigating the Ft. Lauderdale or Palm Beach waterways as there are insured boaters? From Key West to Ft. Lauderdale, boat insurance is designed to protect you in the event you make a mistake, but it's also protection against the things out of your control- like the skill level of those around you. Remember, you don't need to have a head on collision for your Palm Beach boat insurance to help. It could be as simple as someone hitting you while docking that causes expensive damage. With uninsured boater insurance, other people's lack of judgment doesn't have to cost you.

No: 3: Bodily Injury Liability
An uncomfortable thing to think about for sure, but what happens in the event a guest injures himself while enjoying your boat? Medical costs are increasing daily and without the proper boat insurance, you could find yourself in a tremendous amount of debt quickly. Don't think it can't happen- as safe as you are- your guests may not be as skilled around your boat and there may be incidents you cannot control. Being prepared with the proper amount of bodily injury liability protects you against medical costs for an injured guest as well as anyone in another boat injured through your actions.

No: 4: Fuel Spill/ Pollution Coverage
In the event you are involved in a fuel spill, the costs of cleaning the surrounding area from the toxic pollutant can be overwhelming. Most boat insurance policies offer the option of including up to $500,000 in coverage in the event a spill requires clean up. In fact, for yachts over a certain size, pollution insurance is a requirement. It makes sense to protect yourself from what has the potential to be a financially crippling incident.

No: 5: Roadside Assistance
Similar to being stranded on the side of the road with a flat tire in a snowstorm, finding yourself on the open water with a mechanical problem is no fun. With roadside assistance through your Coral Gables boat insurance, you get peace of mind in knowing wherever you are and whatever time of day or night, help is on the way. From towing to hauling, boat insurance saves you time, energy and hassle when you require assistance.

There are several reasons why purchasing boat insurance is a sound, responsible choice. Aside from protecting your investment, yourself and your guests, you're securing peace of mind that regardless what happens, you're covered from stern to bow and back again.

Let B.I.A. & Company help you secure peace of mind with trusted boat insurance you can rely on. From Miami to Jacksonville, there's a reason why South Florida boaters choose us the most- we look out for you so you don't have to.

If you're looking for Yacht Insurance, Triple and Quad Engine Boat Insurance Florida or Boat Insurance in Miami, Ft Lauderdale, Homestead, The Florida Keys, Key Largo, Coral Springs, Jupiter, St. Augustine, Kendall, South Miami, Coral Gables, West Palm Beach, Hollywood FL, Naples, Ft. Myers, Fort Pierce, Sarasota, St. Pete, Clearwater, Tampa, Cocoa Beach, Jacksonville, Orlando, Daytona Beach or Palm Coast, then contact BIA & Company for a free Yacht Insurance, Triple and Quad Engine Boat Insurance Florida or Boat Insurance quote today! BIA & Company offers the best rates on Boat Insurance, Triple and Quad Engine Boat Insurance Florida and Yacht Insurance in Miami, Ft Lauderdale, Homestead, The Florida Keys, Key Largo, Coral Springs, Jupiter, St. Augustine, Kendall, South Miami, Coral Gables, West Palm Beach, Hollywood FL, Naples, Ft. Myers, Fort Pierce, Sarasota, St. Pete, Clearwater, Tampa, Cocoa Beach, Jacksonville, Orlando, Daytona Beach and Palm Coast.

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