You work hard to be able to afford the things you want and one of the luxuries that you have been wanting for quite a while is your own boat. You live in Florida so you know that you will have plenty of time to be able to take your new boat out and really enjoy it. But what do you need to know about owning a boat? One of the first things you need to address is boat insurance in Florida from


Some people mistakenly think that their homeowner’s insurance policy will provide enough coverage for their new boat but that is not the case. Boats are a form of leisure but also a form of transportation and they must have their own insurance coverage. You should check with your insurance agent who covers your automobile insurance to see if their company offers insurance for your boat. This is a good place to start because many times the more insurance coverage you have from the same company the cheaper it will be. It is called bundling and you can save money if you have your auto, homeowners, and boat insurance all through the same company.


You must have insurance coverage on your boat in case someone was to get hurt while a passenger or if you were to become involved in an accident. There are several different forms of coverage you should consider. You will need bodily injury in case someone is injured because of your boat; you should consider property damage in case you were to damage a dock or hit another boat;  and you will want to have physical damage coverage in case you cause damage to your boat through an accident with or without another boat. Extra coverage that should also be considered is comprehensive which will protect you from thieves, floods, vandalism, fire, and for coverage for everything of value that is on your boat.


There are many things you should ask your insurance agent when purchasing coverage for your boat. Make sure that you know the areas where your boat will be covered. There are limits and your agent can help to make sure that you are covered specifically where you will be doing most of your boating.


Make sure that you take a class on boating so that you can learn everything you need to know before you start sailing your boat. Your insurance company may also offer some discounts if they know that you have taken the time to learn how to implement all the rules and safety precautions while on the waterways.


When purchasing your boat you may want to spend the extras on as many safety extras that are offered. Anything that will help protect you and your passengers is going to help with the cost of the insurance for your boat.


Also make sure to let your agent know when you will not be using your boat. Unlike automobiles, you can take a break from coverage if you have several months where you will not be sailing.