1582 Village Square Blvd.
Tallahassee, FL 32309
If you believe your homeowner's policy will cover your boat, it's time to think again. Boats are unique which means they require their own insurance policy.
Having insurance for your boat is especially important because it will cover you for liability if someone gets injured while on your boat. It also includes coverage for bodily injury. This is when your boat inflicts injury on others or inflicts damage on docks and other boats as well as any physical damage to your boat. Comprehensive coverage will cover costs associated with theft, vandalism, fire, and flood. Some policyholders choose to suspend coverage during times they aren't using their boat.
It's important for boat owners in Florida to realize that boats are not covered by boat insurance when the watercraft is not in the water. For instance, if you're hauling your boat with your vehicle and get into an accident, your auto policy will override the coverage on your boat. If your boat gets damaged while parked on your property, it's likely your homeowner's policy will offer some coverage.
If you want to save money on your boat policy, there are some things you can do. Most independent insurance agents will allow you to bundle insurance policies in order to save money. Check with Marks Insurance, Agency, Inc. to see if this is an option. Other ways to save money on your boat policy include:
If you need help getting the right policy for your boat and/or personal watercraft, our boat insurance agents are here to help. Marks Insurance Agency, Inc. has independent insurance agents available to help you in Florida with offices in Tallahassee, Apalachicola, and Port St. Joe.