Boater Insurance in the Sunshine State

General Article
The Sunshine State is a paradise for boating enthusiasts of all types. Before you venture out, make sure you are adequately insured. If you are looking to obtain or update your boaters insurance, be sure to check into insurance renewals Fort Myers FL.

Boating in the Sunshine State

In Florida, boaters aren’t mandated by law to carry insurance or obtain any licenses when operating their boats. You will, however, be required to obtain a boating safety card, register and title your boat with the state, and carry specific safety items in your boat. If you have a lien against the boat, you will need insurance.  Because of Florida’s highly used waterways well as the possibility of hurricanes and other storms, having boater insurance is a good idea.

Boaters Insurance

Boaters might like to learn about and possibly obtain the following types of insurance before taking their maiden voyage:
  • Property Damage Liability Insurance. Damage to another person’s boat, dock, or other property is quite common when a boating accident occurs. It is prudent to innoculate yourself from potentially costly liability associated with property damage to other’s property.
  • Collision Insurance. Unfortunately, boat-to-boat collisions are common when operating on the water. Collision insurance can protect you from the cost of repairing damage, should you become involves in a boat collision situation.
  • Bodily Injury Liability Insurance. Tragically, people can be hurt in boating accidents. You may find yourself legally responsible for injury to someone else if you are found liable. The costs can be quite high unless you have a liability policy in place.
  • Personal Property Insurance. If a boating accident does occur, your policy would help protect you from the costs of replacing your own lost or damaged boat and other personal property.

Have Fun On the Water

Don’t let the talk of insurance deter you from owning and operating a boat in Florida. Instead, look at it as a prudent way to avoid catastrophic loss.