Is Florida boat insurance required?

You have dreamed of this day since you started working.  You have saved every penny and now it’s time to enjoy your retirement.  You live in a state near the water and you’ve always dreamed of one day sailing the open blue seas.  So you take the plunge and buy your first boat.  Depending on what you can afford, it is either the size of a canoe or your dream yacht.  Whatever size boat you choose, you should buy boat insurance. Boats are not covered under homeowners insurance so you need a separate policy.

Why do you need Florida Boat Insurance?

You just spent a large amount of money to buy your boat, so you definitely want it to be protected. Boat insurance is like other types of insurance in that if someone is injured on your boat, you are protected against liability.  If something happens to your boat, an insurance company will let you choose between the cost of replacement or the difference in cash.

According to, boat insurance will cover any bodily injury that your boat might have (like if it crashes into another boat) any damage on your boat from your docking station and damage to your boat if it hits something or gets stuck. Most Florida boat insurance companies will also offer protection against fire and/or theft.  You can add more options to your insurance like if you want to cover your fishing gear.  What if you are towing your boat to the dock and you break down?  You can get coverage for towing as well.

How much does boat insurance cost?

While this is an easy question to ask, it is not an easy one to answer. Boat insurance prices depend on a number of factors such as location, the age of your boat, and the size of your boat. Your insurance company will want to know where your boat is docked. For example, is your boat going to be used on lakes or in the ocean? That makes a difference because saltwater will erode a boat quicker than lake water. Also, do you live in a state that experiences winter climate?  You can’t keep your boat docked year-round because the water will freeze.

The size of your boat is very important. A small boat will obviously cost less to insure than a yacht.  Some insurance companies classify boats into separate categories such as houseboats, yachts, motorboats, etc.  These all are determining factors in deciding the cost of your boat insurance.  Small boats can cost about $75 a year for insurance.  Bigger boats can cost as high as $500 a year to insure.  Boat insurance in Florida works the same as auto insurance.  The more accidents you have, the higher the cost.

You can purchase boat insurance through the same company that provides your homeowners insurance.  If you want to use a separate company, most well known insurance companies such as State Farm and Progressive provide boat insurance.  To find out how much you might have to pay a year, simply go to the website and ask for a quote.  Then you will be on your way to sailing the open water!

Florida Homeowners Insurance Benefits That You Didn’t Know About

It’s no secret that homeowners insurance is the ‘safety net’ that provides homeowners the comfort they need to live in peace. This type of insurance policy simply protects homes in the event of something unexpected happening, such as a fire, natural disasters or even damage from theft and vandalism.

Homeowners insurance from helps keep homeowners out of the ‘line of fire’ that’s known as property and liability expenses. With this insurance policy, anyone can keep their expenses safe and focused to what matters most—covering your monthly home-related payments.

Although homeowners insurance from provides an incredible wealth of benefits for homeowners, there are actually some things that it doesn’t cover. These things include coverage for flooding, pests and even war. Many of those occurrences are actually covered under specialized policies.

Homeowners themselves don’t even know that they can qualify for them, if they already haven’t. Here, we’re going to take a look at a few of the lesser known benefits that  homeowners insurance companies in Florida can provide policy holders.

Lesser known benefits of homeowners insurance

  • Coverage for losses from pet bites. Yes, some liability coverage options for homeowners insurance do offer dog-bite protection for no additional cost. In most cases, homeowners insurance companies will offer thousands of dollars in coverage in the case of the aforementioned happening.
  • Coverage for total home recovery. Sometimes, occurrences can provide detrimental effects to the entirety of your home. Thanks to this, your insurance policy might actually provide coverage to bring your home back to your state’s standard housing mandates following the loss.
  • Coverage for falling debris damage. If falling debris from the, well, atmosphere or other strange occurrences happened to hit your roof, your homeowners insurance policy may cover the damages to your home.
  • Coverage for damages from power outages. When your area experiences an extensive power outage, your homeowners insurance policy can potentially provide coverage for damages or losses incurred from the time period. This also includes coverage for restocking your refrigerator if your food spoils when the power is out for hours on end.
  • Coverage for absent family members’ personal property. Policy holders who have family members that live away from home may have them covered under their personal property coverage clause within their homeowners insurance policy. It usually does, however, exclude coverage for family members that life in their own property away from home.

Did you see any insurance coverage options that you might want to use for your home? If you need to know if your Florida homeowners insurance policy covers the following, take some time to get in contact with your insurance provider to get the information that you need.

Do You Need The Best Auto Insurance in Florida?

Where Can I Find the Best Auto Insurance in Florida?

If you want to drive your car on the road, you’ll need the best auto insurance in Florida. Without it, you aren’t obeying the law and you aren’t being a responsible driver. There are millions of drivers on the roads, so you have to be wary of everyone; you can’t just trust that everyone is trying to help you out.

To keep from being swindled, the first thing you need to do is know the laws in your state. They dictate the minimum amount that you’re responsible for, no matter what type of car you have. This protects all motorists in an accident so that you can get repairs handled in a timely fashion.

The next thing you should do in your quest to find the best auto insurance in Florida is to look online somewhere like Some people opt to do this in person or by making phone calls to different agencies. Either way is appropriate and can get you the protection you need. Just make sure you are looking for the specific insurance type. For example, you wouldn’t search for insurance in another state when you need auto insurance and live in Florida.

Take everything into consideration when you are deciding on a policy, such as your finances, the age of your car and how many people will be driving it. Each of these things may change the price of your premiums and the level of protection you can expect. For example, if you have a newer car, you’ll need full coverage so that you can get it fixed if there’s a problem. On the other hand, older cars are likely to get totaled in a major accident, so you would need to replace it altogether. This means that you’ll only need liability coverage on older cars to protect you in the event that you hit someone.

Once you and the agent have figured out the best course of action, you need to be sure you keep your policy and your agency’s contact number handy so that you’ll be able to find it when you need to file a claim or encounter any problems.


Finding the policy that will insure your car is something that can be easy for anyone. However, it may also be tedious, especially if you don’t have a good idea of what you’re looking for. This is why you need to learn about car insurance while you’re hunting for the best auto insurance in Florida that you can truly know what you’re purchasing. Otherwise, you may get a policy that isn’t appropriate for your needs.