Why You Need Boat Insurance for Summer Adventures in Winter Garden

Florida’s waterways often see heavy traffic, especially during the summer. More boats on the water means more opportunity for collisions, close calls and unexpected accidents. Boat insurance is not mandated by state law, but marinas, lenders and storage facilities often require it as a condition of their services.

Essential Boat Coverage

Coverage often varies by policy. Our agents at Tiago Guimaraes Insurance may recommend the following:

• Physical damage coverage for your hull and motor after a collision or storm.
• Liability coverage for when you cause injury to another boater or damage to someone else’s property.
• Uninsured/underinsured watercraft coverage for accidents involving boaters who carry little or no insurance.
• Towing and assistance coverage for when your boat breaks down in the water.

Risks of Going Uninsured

A collision on the water can result in significant repair costs and legal liability. Without coverage, those expenses come directly out of your pocket. One afternoon on the lake can turn into months of financial strain if something goes wrong and you have no boat policy to fall back on.

What to Do After a Boating Accident

If an accident happens on the water, stay calm, check everyone for injuries and move to a safe location if possible. Exchange contact details with other parties involved, take photos of the scene and report the incident as required by Florida law. Then contact your insurer promptly, as delays in reporting may complicate your claim.

Explore Your Boat Insurance Options

Boating season moves fast, and you want your coverage sorted before you hit the water. Contact Tiago Guimaraes Insurance today to help you secure a suitable boat insurance policy in Winter Garden, FL.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.