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1880 NE 163rd St
North Miami Beach, FL 33162

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Do all boats need insurance?

If you’re piloting a boat in Miami Beach, FL we recommend getting some insurance from Assure-Us no matter the size of your boat, no matter if it’s motorized. You’re not really required to get insurance on your little rubber fishing raft or anything. If your boat is small and it doesn’t have a motor on it, you can legally pilot it all you like. But Miami Beach, FL is one of the most crowded beaches in the country, so you need to make sure that you’re covered should something happen.

It’s not so much about protecting your boat as it is being covered against liability. You never know when a diver is going to come up and bonk their head on the underside of your boat, and they might be feeling litigious. You never know when a strong wave is going to knock you right into a surfer. Because you’re piloting your boat around so many people on Miami Beach, you may want to consider getting insurance even if your boat isn’t the type that typically requires coverage.

On the other hand, if you’re just going to take it down the river for peaceful weekend fishing trips, insurance isn’t really a concern. Assure-Us can help you get the coverage you need if you’re thinking of riding the waves in your new boat, but if you’re not taking it around swimmers and surfers, wait until you get something with a motor in it, and then give Assure-Us a call to get full coverage on your new vessel before taking it for a spin down the river, on the lake or at the beach.

Our Insurance Partners

  • Ascendent
  • Atlantic
  • Bristol
  • Capitol
  • Federated National Insurance
  • Fidelity
  • Florida Peninsula
  • Gainsco
  • GMAC National General
  • Homeowners Choice
  • Infinity
  • Mendota
  • Mercury
  • Olympus
  • Progressive
  • Safe Point
  • Southern Oak
  • Towerhill
  • Travelers
  • United Auto
  • United Heritage
  • Universal Property
  • Universal Property Casualty
  • Weston
  • Windhaven