Boat, Waverunners & Jet Skis

boat insuranceDid you know that we provide boat insurance that can protect you, your family, friends, and pets while on the water? (current content) With year-long gorgeous weather, going out in the boat is a Florida pastime and one that you should be able to enjoy worry-free. At Florida Educators Insurance, we make that possible by eliminating the risk of you being exposed to financial liability if your boat becomes damaged or someone gets injured while out cruising. If you are currently uninsured, we recommend that you call us right away so that we can secure a policy that protects your weekend adventures and your future. For more information on what is covered by boat insurance, call (813) 600-3268.

Bodily Injury & Property Damage Liability

Covers your legal liability for an accident that involves injury to another person or damage to property, up to the limit of liability you select.

Uninsured Boater

This coverage protects you in the event of a hit and run, when the person at fault for an accident does not have insurance, or if your injury expenses exceed the at-fault party’s liability limits. The coverage is intended to cover the gap up to the Underinsured Boater limits you select.

Medical Payments

If you are involved in a boating accident, Medical Payments coverage pays the cost of medical care for the insured and anyone in the boat at the time of the accident, regardless of who is at fault. It also includes injuries involving water skiing or tubing.

Comprehensive & Collision

If you are involved in an accident or another covered loss, this coverage will pay for damage to your boat. You would only pay your deductible. Collision coverage will protect you if you collide with another boat or object. Comprehensive covers damages other than collision, such as, theft, fire or vandalism.

Personal Effects ReplacementSection

This coverage is available for boats and water crafts. It covers your personal effects or losses of personal effects while on board of an insured boat or while being carried on/off an insured boat.

On Water Towing & Labor Coverage

Coverage pays towards towing and labor costs, depending on the amount of coverage chosen.

Roadside Assistance

You pay nothing out of pocket when utilizing this service that is available 24/7. This coverage provides coverage to the nearest repair facility and covers necessary labor at the time and place of disablement when disablement is due to the following:

  • Flat Tire
  • Battery Failure
  • Electrical/Mechanical Breakdown
  • Lockout
  • Shortage of Fuel, Oil or Other Fluids
  • Trapped in the sand, water, mud, or snow within 100 feet of roadway

Fishing Equipment

The coverage protects the loss or damage of fishing equipment. You are covered while on board, or while being carried on/off, an insured boat.

Fuel Spill Liability

Covers accidental oil or fuel spills resulting in bodily injury or property damage for which you are legally responsible because of an accident arising out of the ownership, maintenance or use of your insured boat.

Wreckage Removal

Wreckage Removal pays for rational costs you incur for any attempted destruction, raising, elimination of the wreckage of your insured boat or personal water craft.

Pet Injury

Your dog or cat will be covered with your Comprehensive and Collision coverage during a boating incident such as crash, theft, flood or fire.