Boat Insurance

Fort Myers, Cape Coral & Naples Boat Insurance

Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels. Typically, the size of your boat is an important factor when determining premium. Other important factors are value, deductible amount, age of the boat, its intended or usual usage, the radius of its operations (i.e. Bahamas or Caribbean).

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Keep in mind that like auto insurance policy’s, boat insurance is tailored to meet your needs. If you have a restored or antique boat, be ready to get a survey for your boat to find its insurable value. Additionally, most boat policy’s are on an actual cash valuation basis while some carriers may offer replacement cost for a fixed several years and then actual cash value.

Call today and speak with one our personal lines agents, we would be happy to offer you a quote and answer any questions you may have.

Boat Insurance: What's Covered?

Typical coverages should include:
  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

Boats & Personal Watercraft

We also provide insurance for the following types of boats and personal watercraft:
  • Center Console
  • Sportfish
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Bass Boat

Boat insurance discounts spoken here...

We also work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:
  • Own your home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Pay your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification
There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

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