Does Florida Require Boat Insurance?

Boat insurance is a common consideration among Floridians. If you own a boat in Kissimmee, FL, you may have already thought about the state’s insurance requirements. Familia Insurance Agency knows that insurance can be a tricky subject for boaters.

Is boating insurance required? Should you have a policy even if it isn’t? If you are interested in knowing the ins and outs of Florida boat insurance, here’s what you need to know.

Florida Does Not Require Boat Insurance

The first thing you need to know is that Florida is one of many states that do not require boat insurance. While the state may not have this requirement in place, you may still be left wondering if it is acceptable to skip boating coverage. In truth, it may be a risky move to own a boat without having an insurance policy in place to protect it.

Homeowners Insurance Is Not Enough

One reason why you should consider boat insurance is because homeowners insurance is not likely to cover damage to your boat or any medical bills that stem from a boating injury. On the other hand, a policy that caters to boat coverage provides assistance for damage caused by collisions, bodily harm, stolen equipment, water damage, and more.

Make Sure Your Boat Has the Protection It Needs

While boating insurance is not a requirement in your state, you are smart to cover your boat with its own coverage. If you live in Kissimmee, FL, check out Familia Insurance Agency to learn more about your boat insurance options so that you know what kind of protection is available. You can make sure that your boat and any damage it is responsible for are covered.