Boat Insurance FAQs
Do you need Boat Insurance?
While not always mandatory, boat insurance is recommended for protection. Some marinas and lenders require it, and certain states may need liability coverage.
How much does Boat Insurance cost?
The cost varies based on factors like your boat’s value, size, type, age, usage, and the coverages, limits, and deductibles you select. Prices can range significantly, so it’s best to get a quote tailored to your specific needs.
What does Boat Insurance cover?
Boat insurance typically covers damage to the boat itself, liability for bodily injury and property damage caused by the boat, and sometimes personal property on the boat. Coverage can vary, so it’s important to check the details of your policy.
Do you need Boat Insurance in Florida?
While Florida law doesn’t require boat insurance, it’s highly recommended due to the risks associated with boating. Marinas in Florida often require proof of insurance, and if you have a loan on the boat, your lender might also require it.
Does Boat Insurance cover the motor?
Yes, most boat insurance policies cover the boat’s motor. However, coverage details can vary, so it’s essential to confirm this with your insurance provider.
Do you need insurance on a boat trailer?
Boat trailer insurance is not typically included in standard boat insurance policies. Separate coverage for the trailer is usually needed and is recommended to protect against damage or theft.
Does Boat Insurance cover hurricane damage?
Many boat insurance policies include coverage for hurricane and other storm damage, but there may be specific conditions or exclusions. It’s important to review your policy or check with your insurer for details.
Does Boat Insurance cover theft?
Boat insurance generally covers theft, but the specifics can vary. Some policies might only cover theft under certain conditions or in specific locations. Always check your policy for detailed information.
Still have questions? Speak to a Univista Insurance expert now.
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