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. 

When is boat insurance required in Florida?

In the Oviedo, FL area, there continues to be a lot of demand to own a boat. Those that live here will be able to enjoy their boat for much of the year, which could make it a great investment. When you are shopping for your boat, you should also spend time considering your insurance requirements. There are several situations when boat insurance will be required for you. 

Insurance is Needed When Taking Out a Loan

One situation when you will need boat insurance is when you are going to take out a loan. A boat insurance policy will always be required if you take out a boat loan. When you do take out a loan, the lender will have a security interest in your boat and will want to ensure it is properly covered at all times. 

Insurance is Needed to Use Boat in Certain Areas

Additionally, you will need to have boat insurance if you intend to use your boat in certain areas. Depending on where you use the boat, a local marina could require that you carry a full insurance policy. This helps to ensure that you could pay for any damages that you cause, which protects all other boat owners in the area. 

There are a lot of times when it would be a good idea for you to carry boat insurance. It is important that you carefully assess your needs and make sure that you always have the appropriate coverage that meets your needs. As you are shopping for this insurance in the Oviedo, FL area, you should call The Wurzel Agency. The team at The Wurzel Agency knows how important this form of insurance is. They can then help you understand your requirements and help you build a quality policy. 

Why should I get insurance for my boat?

The Oviedo, FL area is a great place for people that enjoy being outdoors during the hot summer months. For those that own a boat in this area, there are countless opportunities and places to enjoy it. If you are going to buy a boat in this area of Florida, it is vital that you get it adequately covered by insurance. There are several reasons why you should get boat insurance. 

Protects Your Boat

One of the main reasons to get boat insurance is that it will protect your boat. A boat is a major purchase and investment that you need to take seriously. A boat insurance policy will help to protect your boat in many different ways. If your boat is stolen, damaged in an accident, or you experience a variety of different losses, your boat insurance policy will provide you with coverage.


For many boat owners, having boat insurance is also a requirement. If you took out a loan to buy the boat, the lender is going to require that you have insurance to protect their collateral. Additionally, there are certain marinas and other waterways in the area that are going to request that you have boat insurance to ensure you can pay for damages if you cause an accident. 

If you want to own a boat in the Chuluota or Oviedo, FL area, you need to make sure that you get proper boat insurance. One of the best ways that you can do this is by getting a full boat insurance policy. When you want to get boat insurance, contacting the team at The Wurzel Agency is a great choice. The Wurzel Agency can help any boat owner find a policy that provides the right type and level of protection.