G&P Insurance: Boat Insurance for Naples, FL

G&P Home Insurance: Preserving Your Boating Fun in the Sunshine State

At G&P Insurance Agency Inc, we believe every house needs comprehensive homeowners insurance to truly feel like home. Knowing that your investment—probably the biggest you’ll make in life—will be protected through unexpected calamity or misfortune adds incomparable peace-of-mind. And regardless of where your home’s located, no matter its age, size, value or type, G&P can customize a homeowners insurance policy to fit every budget.

For most people, home ownership is more than just an investment of money; a home is also a personal piece of the American dream and a storehouse of memories—memories of happy times, tough times, and of all the little ups and downs in between. Many homeowners also invest substantial time in do-it-yourself projects and repairs, etc.

Jetski on the beach in Chaweng Koh Samui

What Does Boat & Watercraft Insurance Cover?

Typically, boat insurance policies cover the most common perils related to physical damage to the boat:

  • Sinking
  • Fire
  • Storms
  • Theft
  • Collision

Standard boat and watercraft policies also provide reimbursement for damage to numerous items related to boating. Such items include the boat itself, of course, and the motor too. Coverage also extends to the trailer deployed to tow the vessel to water. The list of covered items also includes equipment permanently attached to the boat, along with anchors, oars, trolling motors, extra fuel tanks, tools, removable canopies, seat cushions, life jackets and preservers, skis and tow ropes, dinghies, and more.

Many watercraft insurance policies also cover labor costs for repairing and/or replacing the boat and any related equipment. Most standard boat insurance provide basic liability coverage, too. Florida law doesn’t require boat coverage, but not carry some degree of coverage is not worth the risk.

How Much Does Boat & Watercraft Insurance Cost?

Premium costs for a boat and watercraft policy will depend on the agreed-upon values of the policy, chosen deductibles, insurability, and other factors. In this way, boat insurance is quite similar to other policy types.

Does Florida Require Boat Insurance?

Technically, no. However, Florida law isn’t the only factor to consider. If you purchase your boat on loan, for example, the creditor will likely stipulate that you maintain boat coverage. Many boat owners store their vessels at marinas or boatyards. Such facilities also routinely require owners carry a certain degree of boat insurance.

Need another compelling reason to carry boat insurance? How about this: It just makes sense. Protecting your passengers and property, and looking out for the wellbeing of your neighbors is, quite simply, the right thing to do. And what about the financial aspect of boat ownership? For many people, owning a boat can represent a sizable investment. If your boat were totaled in an accident, do you have the liquid assets to simply replace it without insurance monies?

Contact G&P Insurance Agency for a Free Home Insurance Quote

Got questions about home insurance? At G&P Insurance, we’ve got the answers you need to make informed coverage decisions! If you’re ready to see how much you could save on Florida homeowners insurance, call G&P Insurance Agency today at 888-728-9538! For a free online home insurance quote, fill out the quote form on this page!

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