Florida is endowed with water bodies, and its residents spend time boating. When going out boating, ensure your vessel is covered. If you own a watercraft in Florida, the following are the things you have to understand about watercraft insurance.
When you visit Karla Salmon Insurance Agency, we will help you understand what options of boat insurance are available for you. If it is your first time to insure your boat, we will guide you and help you pick what suits your needs.
You need to have liability coverage for your watercraft. If you are at fault for a boat accident in Oviedo, FL, the liability coverage may shield you from any financial consequences you will suffer as a result of the crash. At Karla Salmon Insurance Agency, we have experienced agents who will help you select the right policy.
This coverage comes in handy in the event of an accident on Florida water bodies. It covers all or part of the eligible medical expenses following an accident. Thus, you will not be required to meet the payments out of your pocket.
After an accident, this coverage may help you repair or replace your vessel. It covers the watercraft and its trailer, if you own one. It has several deductible levels for which you need to visit or call our offices for more guidance.
Your vessel may be damaged in an accident when transporting it to a water body or back home. Any damage caused to the vessel while in transit is not covered by the policy. However, the policy of the vehicle used for the transport may provide the coverage required.
The watercraft policy will not cater for any damage suffered by your vessel when parked at home. However, you may get some relief from your home owner’s policy, although it may not be adequate.
If you own a watercraft in Oviedo, FL, you need to have sufficient insurance coverage to help you in the case of an accident. Visit our offices and get all the information you need to make a decision.