Being a Floridian is almost a lifestyle. Living in the Sunshine State often means owning a beautiful home, a stylish car, and for many, a boat. The ocean surrounding Florida not only provides stunning scenery but also serves as a prime recreational resource for its residents.
Boating in Florida: A Passion with Risks
However, beyond affording a boat, it’s essential to protect your investment. The ocean is unpredictable, and no matter how experienced the captain, risks are always present. The best protection isn’t just boating skills, but rather a boat insurance policy that includes collision coverage, comprehensive coverage, and liability insurance.
Collision Coverage: Safety on Busy Waters
Florida’s waterways are heavily trafficked, and not every boat operator is experienced. That’s why collision coverage is crucial, protecting your vessel in the event of an accident with another boat.
With so many boats navigating Florida’s waters, it’s easy to cause damage to others or face lawsuits for property damage. Given the high cost of boats, liability coverage is essential.
Comprehensive Coverage: Protection Against Theft and Vandalism
Not everyone can afford a boat, but unfortunately, some people try to take one illegally. Boat theft and vandalism are real risks that owners should consider. Having a comprehensive policy ensures protection against these threats.
Natural Disasters: Florida’s Unpredictable Weather
Florida is known for sunshine, but also for hurricanes and severe storms. A boat insurance policy should cover these weather-related risks, as well as fires, sinkings, and collisions with underwater objects.
Final Thoughts: Insurance Is Your Best Ally at Sea
If you’re thinking about becoming a true Floridian and buying your own boat, remember that Univista Insurance offers the best boat insurance in Florida. While state law does not mandate boat insurance, having a safety net is always a smart move.
Vehicle 
Home & Property 
Commercial 
Life 
Health