Just like driving a car, taking a boat out on the beautiful waters near Orlando, Florida requires boat insurance. This type of insurance protects you, other boaters, and your investment in the case of an accident or other unexpected emergency.

At Orlando Insurance Center, we offer a range of boat insurance products to suit your personal requirements. Because we are independent agents, we have access to a wider range of policies than those big carriers. We welcome the opportunity to talk with you about your boat and how you use it to help you select an affordable policy that provides the right coverage for you.

First, we come up with an agreed value coverage. This is the value of your boat if you ever have to file a claim for total loss or theft.

Next, we’ll discuss your boat’s navigational area. Once we know where you intend to use your boat, whether inland or on the open ocean, we’ll have a better idea of the amount and type of coverage you should have.

We’ll also talk about your deductible. This is the amount you pay out of pocket when you file a claim, before your boat insurance policy takes over.

You definitely need minimum liability insurance to cover you in the event of an accident should other parties need medical care, reimbursement for damages, or replacement of lost wages. Beyond that, you’ll probably want to add other types of coverage, such as:

• Medical payments: This covers you and your passengers, including water skiers and tubers, if you sustain an injury in an accident, whether you or another party is at fault.

• Uninsured/underinsured watercraft bodily injury: This is broad coverage for situations where another boater in an accident is either not insured or insufficiently insured.

• Physical damage coverage: This insurance reimburses you for repair or replacement of your boat and includes your motor and trailer, as well as other attached equipment.

• Unattached equipment coverage: Lifesaving equipment and oars, for example, are covered by this type of insurance.

• Personal effects: If you bring your mobile devices, clothing, and sporting gear on your boat, you may want this coverage to protect these items from loss or damage.

• Fuel spill liability and wreckage removal: In case of an accident, you will be required by law to clean up any fuel and sunken parts of your boat, which is covered by this protection.

• Emergency assistance: This functions like roadside assistance for your car and can bring you gas or a replacement battery if you’re stuck on the water, in addition to a tow if you need assistance getting back to shore.

As you can see, there are many ways to protect your boat so you can enjoy it without worry. Reach out online or give us a call at 407-680-1214 to talk about your boat insurance policy. We’ll get all your questions answered and help you choose the right policy for your unique needs and budget.

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