No Matter the Boat, You Need Boating Insurance

Whether you plan to use your boat for sailing, fishing, or cruising in Oviedo, FL, you need to think about purchasing boat insurance from The Wurzel Agency. Since you cherish your boat, investing in boat insurance is worth every penny. The right boat insurance plan keeps you floating in the waters, stress-free. 

What vessels require boat insurance?

It’s not uncommon to hear most boaters say they don’t require boat insurance since they have a boat insurance policy. While it’s true homeowner’s insurance protects your boat, the protection is limited. Home insurance protects your boat up to about $1,500, which is too little. 

As such, you need boat insurance if you have the below water vessels:

  • Fishing boat
  • Houseboat
  • Performance boat
  • Sailing boat
  • Jet Ski
  • Yacht

Since it has cost you blood, sweat, and soul to buy your boat, watercraft insurance is a must-have investment to protect your asset when perils like theft, fire, accidents, falling objects, and others strike. 

Why do I need boat insurance, yet it’s not mandatory? 

Although boat insurance isn’t mandatory in Florida, you still need it. Think of it this way, is health insurance compulsory? No. Do you need it? Yes. The same is true for boat insurance. Boat insurance can save the day when you least expect it. 

Investing in boat insurance protects you in the following areas:

  • Liability protection: Boat insurance covers bodily injury and property damage you cause to others.
  • Protects your boat: Boat insurance pays for repairs or replacement of your boat when physically damaged. 
  • Medical payments: Watercraft insurance covers medical costs for you and your passengers when involved in an accident. 
  • Fuel spill liability protection: Boat insurance covers you when involved in a boat accident, and fuel or oil spillage occurs.

If you are in Oviedo, FL and its surroundings, don’t hesitate to contact The Wurzel Agency for an affordable quote.