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July 3, 2024

The Importance of Boat Insurance for Summer Fun

Boating can be a relaxing and enjoyable way to spend the summer. While it is easy to focus on the fun parts of boating, it’s also essential to understand the potential risks of owning a watercraft. One way to prepare for an unexpected incident is by having proper financial protection through boat insurance.

What Is Boat Insurance? man riding on white and red boat on sea during daytime

Boat insurance covers individuals who own and operate boats or other watercraft. It typically offers financial protection against incidents such as accidents, theft, vandalism and severe weather.

What Does Boat Insurance Cover?

Boat insurance typically offers the following types of coverage:

  • Physical damage coverage can help cover expenses if your boat is damaged from an accident, storm, theft or vandalism.
  • Liability coverage may pay for legal fees, medical expenses and other costs related to claims that you caused injury or damage to a third party or their property. 
  • Medical payments coverage may cover medical expenses for you and your passengers if an injury occurs because of a boating accident, regardless of who is at fault.
  • Uninsured/underinsured boater coverage may help financially protect you if you’re involved in an accident with another boater without insurance or inadequate coverage.
  • Personal property coverage may help pay to repair or replace personal items on the boat that are damaged in a covered incident, including equipment, clothing or electronics.

Why Is Boat Insurance Important?

Boat coverage is essential for financially protecting your valuable investment. Without adequate insurance, you could be responsible for covering costly incidents out of pocket. You may think that nothing bad will ever happen to your boat, but there is no guarantee you will have a perfect boating experience every time you embark on the water. Even the most careful owners can experience unfortunate accidents that cause damage to their boats.

Where to Get Boat Insurance in Florida

Contact Wiglesworth-Rindom Insurance Agency today to discuss your insurance needs. Our professionals can make coverage recommendations tailored to your vessel and boating habits. We can also help ensure you are complying with local marine regulations. Whether you go out a few times in summer or year-round, boating insurance can offer invaluable coverage.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: Boat Insurance

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