Boat owners aren’t required to carry boat insurance in most states. Boat insurance is only legally required in Arkansas and Utah, not Florida or other states. However, although boat insurance isn’t a legal requirement in most states, it doesn’t mean that it may not be required by other establishments or in different situations. If you are financing your boat, you will need boat insurance. Most lenders require insurance to protect their investment until it’s paid in full. Our team at Pro America Insurance is invested in helping Naples, FL boat owners get the insurance coverage they need to meet the needs of where, when, and how they use their boats. 

What is Boat Insurance?

Boat insurance provides coverage and protection for your boat or watercraft. This coverage and protection can include liability protection and coverage for repairing or replacing your boat. The liability coverage protects if you damage another boat or property or cause personal injuries while boating. Your protection applies regardless of whether your boat is on water or land and even covers theft and your personal injuries while boating if you purchase a policy that includes personal injury coverage. 

Do I need boat insurance to dock at a marina?

Although not every marina requires boaters to carry liability insurance, many do. Liability coverage insures that other boaters will be covered if you cause an accident or property damage. Liability coverage would cover damage to other people’s property and damage to the marina itself. Liability coverage covers accidents that may happen in transit as well as accidents on the water. If you have questions regarding the coverage that boat insurance provides and any other benefits, call us. We’d be happy to help you explore your options.