Living in beautiful Florida means that there are plenty of opportunities to go boating. Owning a boat can be a pleasant experience; where you are free to explore the crystal blue waters at your leisure. Just like any other vehicle, boats can be insured against damages. The experts at Palm Valley Insurance, Inc., proudly serving the residents of St. Augustine, FL, are here to help answer any questions you may have about boat insurance. Let's take a closer look at what options may be available with boat insurance.
Usually, insurance for your boat will cover any damages that may happen from a crash or collision. Also, any natural disasters like a fire or lightning crash will also be covered. Any vandalism or theft on your boat will usually also be covered, but different policies cover damages incurred on land versus while your vessel is in the water.
Also, boat insurance usually covers some form of liability insurance. There will be some coverage for property damage as well as some liability coverage for bodily damage that is covered by basic boat insurance policies.
Often, people will only use their boats during the Florida summer and keep their boat docked or at their home during the winter months. It is perfectly alright only to have seasonal insurance on your boat if this is the case.
Additionally, if you keep your boat at your home, sometimes home insurance plans will minimally cover damages that may happen to your boat while it is on land and not in use. If you are transporting your boat from one location to another, auto insurance will usually extend to the vessel if the owner has an additional trailer and boat insurance.
Contact us
If you are curious about boat insurance or have questions about an existing policy, the experts at Palm Valley Insurance, Inc. in St. Augustine, FL would be happy to help. Give us a call today so we can talk about what options might be best for you.
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