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How Much Insurance Coverage Do I Need for My Personal Boat?

If you have never purchased an insurance policy for a boat before, you may be confused as to how much insurance coverage you need. If you are looking to update your current policy, you may also have questions about coverage amounts and limits. When you are shopping for boat insurance, keep the following tips in mind to help you make the right choices when selecting a policy.

State Minimums

Most states have minimum coverage amounts that are specified by law. However, many times these minimum coverage amounts are not enough. Check with your agent to see what the minimum coverage amounts are, and have your agent advise you on whether these limits will provide enough protection to you and others if your boat is ever involved in an accident.

Personal Situation

Many boat owners select a policy with low coverage amounts or extremely high deductibles in order to save money on premiums. However, this can cause a great hardship in the unfortunate event that an accident happens. You should choose your policy based on your budget, but you should also figure out what an accident would do to your finances if you have a high deductible or low coverage amounts. If you can’t afford to pay exorbitant hospital bills or other costs of injuries to yourself and others, you should increase your coverage amounts right away.

If you are in the Miami Beach, Florida area and are looking for a boat insurance policy or have questions on appropriate coverage amounts, Assure-Us can help. Visit Assure-Us online for more information about boat insurance policies and requirements so you can enjoy your boat with the peace of mind that comes from having an insurance policy that will take care of you in the event of an accident.


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