Boat Insurance in Naples, FL

Owning a boat is a wonderful luxury in Naples, but it’s highly important to properly insure your boat. When you get boat insurance in Naples, you can protect yourself against common damages, fire, storms, theft, collision, and so much more.

What does boat insurance typically cover?

 

Typically, boat insurance policies cover the most common perils related to physical damage to the boat:

  • Sinking

  • Fire

  • Storms

  • Theft

  • Collision

 

What else can boat insurance cover?

 

Standard boat and watercraft policies also provide reimbursement for damage to numerous items related to boating. Such items include the boat itself, of course, and the motor too. Coverage also extends to the trailer deployed to tow the vessel to water. The list of covered items also includes equipment permanently attached to the boat, along with anchors, oars, trolling motors, extra fuel tanks, tools, removable canopies, seat cushions, life jackets and preservers, skis and tow ropes, dinghies, and more.

Many watercraft insurance policies also cover labor costs for repairing and/or replacing the boat and any related equipment. Most standard boat insurance provide basic liability coverage, too. Florida law doesn’t require boat coverage, but not carry some degree of coverage is not worth the risk.

 

Does florida require boat insurance?

 

Technically, no. However, Florida law isn’t the only factor to consider. If you purchase your boat on loan, for example, the creditor will likely stipulate that you maintain boat coverage. Many boat owners store their vessels at marinas or boatyards. Such facilities also routinely require owners carry a certain degree of boat insurance.

Need another compelling reason to carry boat insurance? How about this: It just makes sense. Protecting your passengers and property, and looking out for the wellbeing of your neighbors is, quite simply, the right thing to do. And what about the financial aspect of boat ownership? For many people, owning a boat can represent a sizable investment. If your boat were totaled in an accident, do you have the liquid assets to simply replace it without insurance monies?

 

How much does boat insurance in naples cost?

 

The cost of boat insurance in Naples, FL varies depending on your agreed-upon values of the policy, chosen deductibles, insurability, and other factors. To request a free quote, feel free to call us at (239) 353-3500 or fill out our online form.