Florida boat insurance policies offer a range of coverage options, including the following:
Physical damage coverage may help cover damage caused by collisions, accidents, theft, vandalism and natural disasters. It helps ensure you’re not left with a hefty repair bill if an unfortunate incident occurs. If you finance your boat, your lender may require this coverage.
Liability coverage may help protect you financially if you cause injuries to others or damage their property while boating. This coverage can help cover medical expenses, legal fees and property repair costs up to the policy’s dollar limits.
Personal effects coverage may help pay to replace your personal belongings on board. It helps ensure that your valuables, such as fishing equipment, electronics and water sports gear, are covered in case of theft, loss or damage.
Emergency assistance coverage may help provide reimbursement for towing, fuel delivery and other emergency services, helping you get back to shore safely and quickly.
Pollution liability insurance may help cover the costs associated with containment, cleanup and restoration efforts and any resulting third-party property damage or bodily injury claims resulting from a fuel spill.