Watercraft & Boat Insurance
Many Floridians enjoy the beauty of their coastal and lakeside surroundings from the deck of their fishing boat, yacht or sailboat. Others prefer more interactive fun in the sun on their personal watercraft equipment like Jet-Skis and Sea-Doos. Regardless of the activity, protection on the water doesn’t end with life preservers and sunscreen. While less frequent than roadside events, accidents and breakdowns can happen on the water with more frequency than you might think.
Every boat owner knows how easy it can be to accidentally run into a dock and how difficult it can be to ease a sailboat into a slip. Even in low wake zones, it’s hard to get out of the way of another boat quickly when a distracted or impaired pilot is headed straight for you. Even if you see the accident coming, its so much harder to get out of the way in a boat than it is in a car. Personal watercraft are a lot more maneuverable, but alternatively, injuries from an accident can be devastating.
When you’re at fault, the cost to repair a boat or structure you’ve damaged can be astronomical. If there are injuries involved, the total liability can skyrocket. As more and more boats enter the water, it’s crucial to have the type of insurance that pays these costs for you so that you can continue to enjoy the lifestyle you’ve worked so hard for.
Brown Insurance Services is well-versed on the types of available boat insurance policies such as:
- Liability Insurance
- Physical damage
- Personal valuables
- Medical Payments &/or Uninsured Boater
- Fishing equipment
- On-water towing
- Roadside assistance
We’ll work with you to determine if your navigational patterns dictate a special policy (i.e. foreign waters) or if there are additional features on your boat or watercraft that require coverage beyond what the standard “all perils” policy cover. Call us today for more information!
