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Does Florida Require Boat Owners To Carry Insurance?

If you’re ready to start enjoying Florida’s extensive waterways, you may be wondering if the state requires you to buy boat insurance. The short answer is Florida law doesn’t require you to carry insurance for your boat. To learn more about boat insurance in Miami Beach, FL, and its benefits, contact our professional team at Assure-US today.

When You Might Need Boat Insurance

There may be some instances where you will need to have boat insurance. For example, if you used the financing to buy your boat, your lender may require insurance to protect the vessel against damage. Additionally, you shouldn’t rely on your home insurance policies to provide coverage if your boat sustains damage while you store it on your property.

If you don’t store your boat at home or in another location, you may want to keep it at a marina. In some cases, marinas will require you to carry a liability policy at a minimum. Liability insurance protects the marina and others from damage that could be caused by your boat.

Why You Should Consider Boat Insurance

If you want to enjoy Floridian waters safely, it’s wise to carry a policy to protect yourself, your vessel, and your passengers from any unforeseen circumstances. Florida’s vast waterways – like rivers, lakes and shorelines – are extremely popular and subject to a higher level of risk associated with accidents (not to mention the enhanced risk of storms and hurricanes).

Leaving yourself unprotected increases your chances of experiencing a major out-of-pocket expense if a serious event occurs. Finally, although the law doesn’t require boat insurance, the law doesn’t completely shield you from responsibility if a serious accident occurs on your vessel.

If you want to learn more about boat insurance requirements in Miami Beach, FL, visit our website at Assure-US today.

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