Boat Owners Insurance

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Boat Insurance Basics

Boating is one of the most popular hobbies in Florida and for good reason – combine nearly year-round great weather with Florida’s gorgeous coastlines and waterways and you have the perfect recipe for great boating.

However, boats can become involved in accidents just like other motor vehicles but being on the water makes boat accidents particularly dangerous. It’s important to have good insurance on your boat in case you are in an accident caused by yourself or someone else. Boat insurance isn’t mandatory in the state of Florida, so the coverage you have for property damage and injuries is up to you.

Bodily Injury Liability Insurance

Bodily injury liability coverage pays for medical expenses and other damages that are the result of an accident you cause that injures or kills someone else. If the injured individual(s) sue you for compensation, this bodily injury liability coverage should also cover your legal defense.

Property Damage Insurance

Property damage insurance pays for property owned by others that becomes damaged in a boat accident that you cause. It also pays for your legal defense if the person whose property you damaged in the accident sues you for damages.

Medical Payments Insurance

Medical payments insurance provides coverage for injuries to yourself and your passengers in a boat accident, regardless of whether you are at fault. Medical expenses like doctor visits, medicine, hospitalization, surgical procedures, and other similar costs that are a direct result of the boat accident are covered up to your policy limits.

Liability coverage only offers compensation to others who are hurt by a boat accident that you cause. Your own medical expenses and the expenses of your passengers are not covered unless you have medical payments coverage.

Collision Insurance

Collision insurance pays for physical damage to your boat when it is involved with a collision, either with another boat or with an object such as a large buoy, a bridge, or a dock. This coverage will protect you in both collisions where you are and are not at fault.

Usually, the deductible for collision coverage is $500 or $1,000 per boat accident. If your deductible is lower, your monthly payments will be higher, but you don’t need to come up with as much money up front if you’re in an accident. If your deductible is higher, it can make your policy more affordable each month, but you’ll have more out-of-pocket costs if your boat is in a collision.

Comprehensive Physical Damage Coverage

Comprehensive insurance covers the physical damage to your boat by any means doesn’t fall into the category of a collision, such as damage caused by theft, vandalism, fire, or natural disasters. Like with collision coverage, comprehensive typically has a deductible of $500 or $1,000.

Uninsured/Underinsured Motorist Coverage

Boat insurance isn’t mandatory in the state of Florida, so many boaters don’t carry it. If you’re involved in an accident with another boater and they are at fault, you would usually rely on their insurance to cover the costs of boat repair and medical care. If they don’t have boat insurance or don’t have enough insurance, you will have to cover these costs yourself. If you have medical payments, comprehensive coverage, and/or collision coverage, you can submit a claim to your own insurance company for damages.

If you choose to add uninsured/underinsured motorist protection to your policy, you can ensure that you’re protected if you’re in an accident caused by another boater. This coverage will activate and either pay for damages up to policy limits if the at-fault party doesn’t have any insurance or pay for the difference if your costs exceed the policy limits of the at-fault party. Add uninsured/underinsured motorist protection to your basic liability policy, or include it with comprehensive, collision, and medical payments insurance for maximum protection from uninsured and underinsured boaters.

Emergency Services Coverage

Like cars and trucks, boats sometimes need emergency services. If you run out of gas or your boat stalls on the water and you need a tow, your insurance will cover the cost if you elect to have emergency services coverage. This coverage also applies if you’ve been in a boat accident and your boat is damaged beyond repair. Emergency services will cover up to an additional 5% of your physical damage coverage limit for the cost of raising, removing, and destroying boat wreckage.

Boat Insurance Discounts

At the Culbertson Agency, we can offer a variety of boat insurance discounts, including but not limited to:

  • Multiple policy discount
  • New boat discount
  • Boater education discount
  • Diesel engine discount
  • Automatic fire extinguisher discount

Your experienced Southwest Florida insurance agent will work with you to determine the maximum discounts you’re eligible for so you can get the most insurance coverage for the least amount of money.

Contact the Culbertson Agency Now

The Culbertson Agency offers boat insurance coverage for residents of sunny Southwest Florida. We are proud to provide our customers with superb customer service, cost-effective monthly insurance premiums, flexible payments, 24-hour access to a licensed insurance professional, and secure online payments and account management.

Contact us today for more information about customizing a boat insurance policy to meet your unique needs at (239) 210-7710 (Naples) or (239)-210-7700 (Fort Myers). Serving the Fort Myers, Naples, Cape Coral, and Marco Island areas.


What Our Clients Are Saying

We are quite pleased with Culbertson. Savanna has helped us tremendously with our auto, home and flood insurances. She is very attentive, thorough, and saved us lots of dollars compared to our other insurances. We appreciate someone who is always there for the customer. Thank you.


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