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What Does Boat Insurance Cover?


While having Auto Insurance in Hialeah, Florida, is mandated by law, insurance for boats is not. However, that does not give boat owners the green light to go without protection.

You should consider getting boat insurance if you own a motorized boat in Florida or one that costs over $1,000.

Many companies that provide Life Insurance in Miami, Florida, offer limited coverage for boats and watercraft, as damages to the vessel are covered up to $1,000 for specific circumstances. These include the following:

  • Personal goods lost or destroyed aboard a boat may be insured, but not if its usage is limited to the boat.
  • Liability coverage may help if you cause physical harm or property damage, but there are limits based on the boat.

There is a physical damage deductible in every insurance, and it can be a set money amount, like $500, or a percentage of the total worth of your boat. Depending on your vessel, you may also be subject to a different deductible.

Insurance premiums for boats in Florida tend to be higher than in other states since many Floridians use their vessels year-round, rather than just during the warmer months. You may pay more or less for boat insurance depending on whether you live in Florida permanently or you simply visit there sometimes.

If you like to know more about how we can help you with this type of insurance or get Medicare in Miami, Florida, visit or contact us at J.E. Insurance Associates DBA Amco Insurance. We will be happy to assist you in making an informed decision.

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