In Florida, taking a boat or other watercraft out onto the open waters is a favorite pastime. However, to enjoy your watercraft freely and safely, you should strongly consider watercraft insurance from The Wurzel Agency Inc. in Oviedo, FL.
Why You Need Boat or Watercraft Insurance in Florida
The state of Florida does not require you to carry boat insurance. Instead, it requires you to register your boat with the state. Nevertheless, that’s no reason to forego having adequate insurance for your watercraft.
If you’re still paying for your watercraft, your lender may require you have insurance. Here are a few reasons you should consider boat insurance a necessity even when it’s not required.
Florida Waterways Aren’t the Safest of Places
Many people boat and enjoy the water in the state. Your boat may find itself on one of the busier waterways where accidents can occur.
The state is no stranger to severe storms and other conditions that can damage your boat. Having coverage will help should you need to deal with damage to your watercraft or accidental damage you cause to other boats or structures.
Florida Marinas, Docks, and Boatyards Often Require Proof of Insurance
If you’re docking somewhere other than at your own space, you may need to prove you have at least some liability insurance on your watercraft. These requirements exist to protect you and others from accidents.
Hazards come in many forms, and there are many more reasons to insure your watercraft. Those reasons can include paying for injuries, damage from fire, and costs if your boat causes pollution in a waterway. The list goes on and on.
The Type of Insurance You Need for Your Watercraft in Florida
Watercraft and boat insurance can cover a plethora of things. As stated, liability coverage for damage or injuries is of the highest priority. Also, you can consider coverage for medical payments, uninsured boat owners, and boat towing.
At The Wurzel Agency Inc. in Oviedo, FL, we have the coverage options you need for your boat or other watercraft. Contact us today to learn more about insuring your boat.