Sail On Over to HRI Insurance for the Best Boat Coverage in Florida!


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Although boat insurance is not mandatory in the state of Florida, it is highly recommended, and required in some situations. For instance, in order to dock your boat in certain areas, you may be required to have insurance. Many banks also require insurance on boats that are used as collateral for a loan. However, one of the most common reasons why many people opt out of boat insurance is because it is believed that it is covered under the home insurance policy. Having your boat insured is the safest route you can take when it comes to peace of mind. One of the great things about boat insurance is that it is highly customizable, so call HRI Insurance today to learn more!

Understanding the Benefits of Boat Insurance

When it comes to boat insurance, residents of Florida have many options in terms of policies. Smaller boats on your property may be covered by your home insurance policy, but larger watercrafts and other belongings generally have their own type of insurance. Because the Florida law does not require residents to insure their boats, boat owners are able to customize their policies to fit their specific needs. Understanding the benefits of boat insurance is crucial before choosing which type of coverage to purchase. Accidents happen, so it is best to be prepared for them. You have the option of choosing from many different coverage options, including overall boat coverage, liability, and medical insurance.

Covering Costs When it Comes to Boat Damage

Damages caused by boating accidents can be costly in more ways than one. Having insurance that can help cover these costs can greatly lessen the hassle, stress, and loss of money in the event of an accident. Because boat insurance is optional, being involved in an accident or collision with another boater without liability coverage is possible, so uninsured coverage may be a good option for you. This type of insurance can help cover the cost of damages and injuries in this situation. Boat liability is also an option that can cover costs of damages or injuries that you cause in an accident. Regardless of the type of insurance you choose for your boat, some factors may have an impact on your options, such as the age, size, and type of your boat. Some of the options you have when it comes to boat insurance include:

  • Collision Coverage
  • Comprehensive Coverage
  • Medical Coverages
  • On-Water Towing
  • & More