Florida Farm Bureau Insurance Florida

Storing and Insuring Your Boat In Florida

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Boat insurance isn’t legally required in Florida, but that doesn’t make it ok for Florida boaters to skip coverage. If it would be painful to replace your boat out-of-pocket, you should probably insure it. Homeowners insurance probably doesn’t cover your boat or the resulting medical bills if anyone is injured.

What Does Boat Insurance Cover?

Depending on your policy, boat insurance is likely to cover:

How Should I Store My Boat?

Indoor storage is always best, but it’s also the most expensive boat storage option. It helps protect your watercraft against theft, vandalism and storms. Keeping everything in a temperature-controlled environment is better for the boat mechanics, as well.

Dry, racked storage is an option, but you may have limited access to your boat over winter.

If you store your boat outdoors, make sure to cover and shrink-wrap it.

Things To Do Before Storing Your Boat for Winter

Want To Make Sure Your Boat Is Covered?

Our local Florida Farm Bureau insurance agents can help you with boat coverage that suits your needs. Find an agent to get started.

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