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If you are thinking about buying a boat to better enjoy the wide open sea, you may also want to consider getting Boat insurance.

  Boat Liability Coverage –  Boat Medical Payments Coverage – Boat Physical Damage Coverage – Uninsured Boat Coverage are the most common types of coverage for Boat Insurance.

 
Here at JM’s Best Insurance, we will help you find the best coverage for your boat at the right value while given you the peace of mind that you deserve. While many are attracted to Florida for the warm weather and mild winters, others love the proximity to both the Atlantic Ocean and the Gulf of Mexico. If you are thinking about buying a boat to better enjoy the wide open sea, you may also want to consider the proper insurance coverage. Here are some things to consider when buying a policy.

Liability Coverage
Liability boat insurance is intended to make sure you are financially protected in a boating accident that occurs as the result of your own actions. When you are found at fault, the property damage and bodily injury costs to the other party can be astronomical.
Liability insurance protects you against the costs of a lawsuit up to the value of your benefits.
Medical Payments
Some medical insurance policies refuse to cover accidents that occur as the result of pre-defined “dangerous” activities. To some insurance companies, certain forms of boating fall under that heading. Specific boat medical payments coverage can help make sure you don’t have to bear the costs of hospitalization following a boating injury.

Physical Damage
As you already know, boats and personal watercraft can be expensive. If damaged in an accident, it may be financially impossible to replace or repair them. This is where boat physical damage insurance coverage comes in, covering your repair costs up to the limits of your policy. Some physical damage policies can be extended to cover not just the boat itself, but the trailer as well.
Uninsured Boat Coverage (UM)
Depending on the size of the boat and a variety of other factors, boat insurance may not be mandatory under the law. For that reason, many boaters opt not to purchase a policy. If you are hit by an uninsured watercraft, this coverage can pay for medical bills, lost wages, and other common costs associated with boating accidents.


For more information regarding Boat Insurance or to get a quote please contact us at JM’s Best Insurance.