Boat insurance isn’t a legal requirement in Naples, FL, but at Pro America Insurance, we want you to understand why you still need boat insurance. We feel you should go a step further and choose a tailored boat insurance solution for your specific needs. Here’s why you need to look for boat insurance solutions that consider your unique needs and goals.

A Generic Policy May Not Work for Your Use Case

Every type of boat serves a purpose and can come in a diverse range of shapes, sizes, and uses. That automatically means each boat takes on different types of risks depending on use. The boat that will spend most of the time at the marina doesn’t need the same type of coverage as the boat chasing after the marlin daily.

Your Boating Experience Isn’t the Same as the Next Person’s

Just as there are different insurance considerations for student drivers, new drivers, teen drivers, and adult drivers, the same types of considerations must factor into your boat insurance choice. If you’re getting your feet wet, so to speak, you may need a little more padding to your policy than an experienced, seasoned sailor.

Different Boats and Boating Activities Have Wildly Different Risks

Risks when boating can have to do with your activities but can also come from the locations where you choose to do those activities. Some areas may present more opportunities for damage to your vessel, while other locations may present more opportunities for theft or vandalism.

A small skiff and a yacht, both seafaring vessels, have a universe of differences regarding their risks and coverage needs. And that’s why you also need to consider all these factors when choosing a boat insurance policy or package.

Here at Pro America Insurance, we understand the nuances of creating a boat insurance policy tailored to your specific needs. If you’re considering boat insurance in Naples, FL, contact us to learn more about why a tailored approach can make the most sense for you.