SpeedboatIt’s important to know which type of boat insurance is for you. Boat insurance has been around for ages and over time it’s evolved and changed to how it’s accepted today.

For the most part, there are three situations for boat insurance and what it covers – a boat or its cargo getting damaged, a boat striking another boat or a boat sinking. Some countries make it a requirement to have your boat insured but it’s always a good idea to get it insured and use a third party insurance.

With an independent insurance we can do this research for you and determine what kind of insurance you need. There’s everything from “increased value” insurance – a policy that will pay you at your boat’s market value if it’s more than the amount insured for – to even war risk insurance if you happen to be sailing into some dangerous waters. Just give us the information on the boat and your uses and we’ll match that up with the right policy at the right price.

There won’t be much need to insure a boat against a total loss, unless that boat has a ton of value. That’s basically used for large ships carrying valuable cargo.

A similarity to car insurance is that some boat insurance policies try to prohibit small claims. The purpose is for the insurance to cover major loss as opposed to minor scuffs or dings.

Again, it’s all about what you want and what your needs are. Getting boat insurance might not be as common as getting car insurance, but that doesn’t make it any less important. Let us help you feel at east on the water.

Contact R.V. Johnson Insurance today at (772) 287-3366 for a Florida boat insurance quote.

Posted 12:21 PM

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