Boat and Watercraft Insurance Florida

What Types of Boats and Watercraft Can Be Insured?

If you're lucky enough to enjoy spending time out on your boat or personal watercraft, chances are you understand how important it is to keep it protected and safe. After all, for many of us, our boats are testament to the sweat and tears we sacrificed to have the luxury- we're certainly not going to let it go without a fight. If you've decided to pursue boat insurance, you may be wondering what types of boats and watercraft can be insured. Take some time to familiarize yourself with some of the details and make an informed decision if and when you are ready to purchase.

From Jet Ski's to Mega Yachts…and Everything in Between

Marine insurance is just that- insurance for everything marine. From the smallest Jet Ski to the largest mega yacht, you can purchase an insurance plan to protect your investment. Generally, vessels are characterized as one of three types - boats, yachts or personal watercrafts. A boat is typically between 16 and 26 feet in length, yachts are 26 feet or longer and watercraft refers to jet skis, wave runners and related personal water crafts.

Whether you live in southern Florida and need Miami yacht insurance or you have a vacation home a little further north and need Jupiter boat insurance, there's a policy for you. From personal watercraft to mega yachts, all kinds of boats and personal watercraft can be insured.

Typical Coverage
Most boat insurance policies include at the very least bodily injury liability, property damage liability and physical damage. That means you're protected in the event you are involved in an accident or your boat is damaged by fire, lightning, hail, hurricane, sinking, vandalism and theft. In addition to covered perils, some boat insurance includes coverage for your outboard motors, trailers and even personal effects. Every policy is different and every company has a unique idea what “comprehensive” coverage means. Make sure to choose only dependable, reliable insurance providers for your Ft. Meyers or Sarasota boat insurance. For quality insurance, consider B.I.A. & Company for the best rates and dependable coverage Florida boaters have come to trust.

What is Not Covered
Most boat insurance does not cover damage resulting from common wear and tear, mechanical issues or faulty manufacturing. In addition, if you use your boat as a charter or charge a fee for services, you are not covered. In this case, there is charter boat insurance available. Make sure if you are involved in providing a service you understand this difference. Your Orlando or Daytona Beach boat insurance will not protect you if you run a business on your boat- no matter what.

Marine insurance is a necessity if you want to operate a boat or watercraft responsibly. Whether you own one jet ski, a cabin cruiser or a 70 foot mega yacht, there's quality boat or yacht insurance available for you. Taking the time necessary to familiarize yourself with not only the different policies, but with the types of coverage available will help you make informed decisions when and if you are ready to purchase.

If you're looking for 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 quote today! BIA & Company offers the best rates on Boat Insurance and Marine 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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