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BOAT INSURANCE
We help you save time by searching for the most affordable prices to get the boat coverage you need. That’s because we do all the hard work for you. Our highly qualified agents work to secure you with the best coverages available for boat and yacht insurance at rates that won’t hurt your budget. When it comes to protecting such valuable assets, it’s important to find customized coverage most suitable to you.
At John Galt Insurance, we understand that all boats are not made equal and they require different kinds of insurance coverage. We represent top rated insurance companies and our knowledgeable agents will work with you to tailor a boat insurance policy that meets your needs and budget. We are experts at getting you a policy at the best price without cutting coverages.
We can get you a personalized Marine Insurance quote today. Let us work for you!
John Galt Insurance is a Florida Independent Insurance Agency, which means you have the power to choose! Most importantly, you get the benefits from making smart choices when it comes to the coverages you need to fully protect your most valuable items. That’s why we are the perfect match for you. Whether it’s comparing insurance plans continually, finding you the best rates or guiding you through the process if you so happen to need to file a claim, we always have you covered! After all, we work for you and not the insurance carriers.
With our network of top rated Insurance Carriers in Florida and our knowledge and expertise in Florida Boat Insurance, you can rest assured we can take care of all your insurance needs – Let us work for you!
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COVERAGES
The basic types of coverage included in a typical boat insurance policy includes:
In the event you were to cause an accident with your boat and someone is injured, Bodily Injury Liability coverage can help pay their medical bills and loss of income.
The Property Damage Liability Coverage helps pay for damages to another person’s vehicle, watercraft or property, if you were to cause an accident with your boat. Coverages like Pollution Liability Coverage and Wreckage Removal are typically included.
If you or one of your passengers were to get injured during an accident on your boat, the Medical Payments Coverage may help pay for resulting expenses that can incur such as hospital bills, medications or X-rays.
If an uninsured boater collides with your watercraft and you or one of your passengers are injured, the Uninsured Watercraft Coverage may help pay for the resulting expenses.
Collision Coverage helps pays for damage to your boat, motor, trolling motor, trailer, and permanent/portable boating equipment if you’re in a covered accident with another boat or object.
Every boat owners coverage needs of will vary from person to person. It’s always a good idea to talk with your insurance agent about coverage for the following watercraft components:
Two important coverages you’ll want to make sure your policy includes are coverages to help pay for the cost of fuel spills and wreckage removal if there’s an accident on the water.
You have questions, you have answers.
The cost of Florida boat insurance varies and depends on several factors. These factors includes:
Boat insurance is required in only a few states (not in Florida) but, if you’re financing your watercraft, typically, you will be required by your lender to carry comprehensive and collision coverage. Also, if you dock your boat at a marina, the marina may require you to show proof of liability coverage.
A basic boat insurance policy does not cover theft. You will need Comprehensive Coverage to protect you against damage to your watercraft from incidents out of your control, which includes theft. Comprehensive is usually required by your lender if you finance your boat and the coverage will need to be added on.
This is not required but it is not a bad idea to keep your insured boat inn storage. Theft, damage, and various other types of hazards will be covered by your boat insurance while your boat is stored.
During the off-season, it’s highly recommended to have insurance for your boat because hazards such as fire and theft can happen at any time.
Some boat insurance carriers offer the following additional coverages:
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