Watercraft & Boat Insurance in Miami, FL
Watercraft & boat insurance can help cover fishing boats, jet skis, motorboats, sailboats and yachts. While policy inclusions can vary depending on your insurer, a standard policy can cover the following:
- Damage caused by non-collision incidents such as glass breaking, theft, fire, vandalism and certain natural disasters
- Your boat or watercraft’s repair costs if you hit a dock or another watercraft
- Third-party bodily injuries or property damage you’re liable for
- You and your passengers’ medical expenses if you are injured in an accident, regardless of fault
- Repair expenses if you are hit by a boat or water vehicle driver with inadequate liability coverage
Depending on your circumstances, you can talk to your agent about additional coverage for fuel spills, fishing equipment or wreckage removal.
Is It Required?
Florida doesn’t require watercraft & boat insurance. However, marinas may ask for proof of insurance. You may also have to purchase comprehensive and collision coverage if you lease or finance your boat.
What Information Do I Need to Provide for a Quote?
Your insurer may consider several factors when quoting you for a rate, including the following:
- Boating history
- Boat horsepower, length and model year
- Claims history
- Hull configuration
- Policy specifics (e.g., deductible, coverage limits)
Where Can I Purchase a Policy?
Contact Silver Palm Insurance to learn more about your watercraft insurance options or request a personalized quote.