Are You Paying Too Much For Boat Insurance?
You just might be! At Beucher Insurance Agency in Mt. Dora, Florida we write boat insurance throughout the entire state. We invite you to call us at 352-357-1994 and we can review your current boat coverage.
If you are new to boating and considering purchasing a boat and looking at boat insurance carriers or you are a seasoned boater looking for additional boat insurance options, we can certainly help you.
Many people call our office and ask these questions about boat insurance:
1)What boat insurance do I need?
2)What does boat insurance cover?
3)What does boat insurance not cover?
4)When is boat insurance required in Florida?
5)Who has the cheapest boat insurance in Florida?
6)Who has the best boat insurance?
7)Will boat insurance cover a blown motor?
8)How does boat insurance work?
9)What is the average cost of boat insurance?
10)How much is insurance on a $20,000.00 boat?
11)Do I need a boat survey in order to buy boat insurance?
These are all very good questions and we can answer them. We have insured new and used boats for many years in Florida. We do recommend if you are in the market for a used boat that you have a boat survey done to ensure you know what you are buying. Is the boat mechanically sound? Does it perform the way it’s supposed to? Bottom paint can look nice, but is it hiding cracks in the hull? If you are a new boater you may not be familiar with the instrument panel on a boat to know if something is broken. These are all important points that can be addressed when you have a boat survey done. We recommend going with an experienced boat survey company and not just anybody who is an avid boater.
What does boat insurance cover?
There are three areas a boat insurance policy covers:
1)Physical damage to your boat
2)Liability coverage
3)Optional or add-on coverages
The physical damage to your boat can include damage to your hull, motor, trailer, or furnishings. If your boat is involved in an accident either on the water or off while you are trailering, a boat insurance policy will cover this type of damage too. When shopping for the best boat insurance, be sure to ask if the policy covers theft of your boat, vandalism, fire, and damage from weather-related events such as a hurricane.
Liability coverage on a boat policy is just as important as the physical boat coverage. In the event you have friends on your boat or your kids bring their friends on the boat, and any of your guests become injured while enjoying your boat, a boat liability coverage will save you. This type of coverage will pay the medical bills and legal expenses if somebody is injured due to your boat. This coverage will also pay for damages should another boat be damaged by your boat or if your boat causes damage to somebody’s property. Another essential element of liability coverage on a boat insurance policy is the uninsured boater coverage. This can help pay for injuries or damages caused by an uninsured boater if they are at fault.
There are several other add-on or optional coverages available to boat owners. These add-ons can cover towing assistance, boat equipment, personal effects, and other expenses. Boating is a great way to enjoy our Florida waters, especially when you have the right boat insurance. Enjoy a day on the water while having peace of mind you are secure should anything happen.
If you are in the market for better boat insurance rates or you are researching good insurance rates for boats, call Beucher Insurance Agency in Mount Dora, Florida. We are located in North Lake County and service all of Florida. We write boat insurance policies for those who keep their boats dry docked at a marina as well as those who keep their boat on a trailer in their garage. Give us a call at 352-357-1994 and let’s discuss your boat insurance needs!
We offer boat insurance for all of Florida and particularly for boat owners in Mt. Dora, Eustis, Umatilla, Fruitland Park, Leesburg, Tavares, Sorrento, and The Villages.