Boat Insurance
Here at Martinez Insurance Agency, Inc. we dedicate ourselves to finding you the best insurance coverage for your boat
When will you need boat insurance?
Financing/Leasing: Lenders almost always require it.
Docking: Marinas often mandate proof of liability.
State Law: Required in only a few states. (Not Florida)
Although it is not mandatory by Florida’s State Law, it is highly recommended due to frequent boating activities.
Key Coverages to consider before your next day out at sea:
Liability - Pays for damages to others.
Hull & Equipment - Covers physical damage to your boat, motor, machinery, and fittings from accidents, theft, storms, or vandalism.
Comprehensive - Protects against non-collision events like fire, theft, vandalism, falling objects, and weather.
Collision - Covers damage to your boat from colliding with other boats or objects, even submerged ones, and capsizing.
Medical Payments - Helps with medical costs for you and your passengers injured on your boat.
Wreckage Removal - Covers removal costs if your boat sinks and legally required clean-up for fuel spills.
Personal effects/watersports - Covers fishing gear, electronics, or costs for tubing/skiing injuries.
Trailer Coverage - Protects your boat trailer, often with roadside assistance.