Northwest Florida


Watercraft Insurance

Don't Sail Off Without Insurance

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Custom coverage options

For physical loss or damage, coverage includes the hull, machinery, fittings, furnishings and permanently attached equipment as part of either an actual cash value policy or on an agreed amount value basis. These policies also provide broader liability protection than a homeowner’s policy. But there are distinct differences between the two types of policies. Get the basics that every boater needs—Liability coverage to protect your assets, and Physical Damage coverage to protect your watercraft. Then, get added protection—specialized coverage that you just won’t find on a homeowners policy. This includes:

Fuel Spill Liability.

We’ll pay for damage if you’re responsible for an unintentional fuel spill.

Wreckage Removal.

We’ll pay recovery costs if you’re responsible for the removal of a covered watercraft.

On-Water Towing and 24-hour Roadside Assistance.

Help is just a call away if you have a breakdown, whether on the water or on land.

Fishing Equipment Replacement Cost.

We’ll cover up to $10,000 for tackle, rods and reels damaged on or stolen from your boat..

Personal Effects Replacement Cost.

cost of personal items that are damaged, lost or stolen while on your boat.

Outstanding savings and value

Ask about discounts for owning multiple boats, being your boat’s original owner, paying in full, and more. And our Loyalty Rewards Program includes several benefits you can earn, such as our Claims-Free Renewal Discount if your previous policy period was accident-free.

Actual Cash Value

policies pay for replacement costs less depreciation at the time of the loss. In the event of a total loss, used boat pricing guides and other resources are used to determine the vessel’s approximate market value. Partial losses are settled by taking the total cost of the repair less a percentage for depreciation.

Agreed Amount Value

basis policies mean that you and your insurer have agreed on the value of your vessel and in the event of a total loss you will be paid that amount. Agreed Amount Value policies also replace old items for new in the event of a partial loss, without any deduction for depreciation.

Physical damage exclusions might include normal wear and tear, damage from insects, mold, animals (such as sharks), zebra mussels, defective machinery or machinery damage. Boat insurance also covers:  Bodily injury—for injuries caused to another person  Property damage—for damage caused to someone else’s property  Guest passenger liability—for any legal expenses incurred by someone using the boat with the owner’s permission  Medical payments—for injuries to the boat owner and other passengers  Theft Most companies offer liability limits that start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1000 for medical payments. Higher limits may be available. Additional coverage can be purchased for trailers and other accessories. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protectionfor their boat, home and car.

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