Boat Insurance in Apollo Beach, FL
At Iron Rock Insurance, we know how important it is to protect your finances if your watercraft is damaged or involved in an accident. We’re here to help you understand your boat insurance options and get appropriate coverage.
What Does a Policy Cover?
While a policy can be tailored to fit a variety of vessels and uses, boat insurance often provides the following coverage:
- Liability coverage can help you pay for expenses related to injuries or damage you cause to another person while driving your boat.
- Comprehensive coverage can cover the repair costs of damage caused by natural disasters, vandalism, theft, fire or shattered glass.
- Medical payments coverage can cover medical expenses if you or your passengers are injured following an accident, regardless of who caused it.
- Collision coverage can cover damage caused by hitting an object, a dock or another water vehicle.
- Uninsured/underinsured boater coverage can be helpful if you’re hit by an at-fault boater who doesn’t have enough liability coverage.
Who Needs Boat Insurance?
While Florida does not require boat insurance by law, many marinas and lenders may require proof of coverage. In addition, this policy is highly recommended for:
- Owners of powerboats, sailboats, personal watercraft and yachts
- Anyone financing or leasing a boat
- Boaters who want to protect their finances from unexpected liabilities and settlements
How Much Does It Cost to Insure My Boat?
An insurer may investigate the following factors when quoting you for a rate:
- Boat characteristics (e.g., type, size, horsepower, etc.)
- Claims history
- Boating history
- Location
- Policy specifics (e.g., deductible, coverage selections)
How Iron Rock Insurance Supports Florida Boaters
Our team specializes in helping boaters in Apollo Beach, FL assess their risks and find the coverage that meets their needs. Contact us today to request a no-obligation quote.