Boats & Watercraft

Boats & Watercraft Insurance

Find the right boat and watercraft insurance in Florida

Boats & Watercraft Insurance

There’s nothing quite like spending a day out on the water. Whether fishing, swimming, or just enjoying the sunshine, being on a boat is always a good time. But before you sail, ensure your vessel has the proper insurance coverage. A good policy can protect you from damages, theft, and liability claims, giving you the peace of mind to enjoy your time on the water.

At Term Brokers Insurance Services, we can help you find suitable boats & watercraft insurance for your needs. We’ll work with you to find a policy that covers your boat, motor, trailer, and any accessories you might have. We can also help you insure against damage caused by weather, vandalism, and collisions. We’ll ensure you’re properly protected no matter what type of coverage you need.

Insurance For Your Boat Is Important

One of our qualified agents will be more than happy to assess your coverage needs and make recommendations. We offer a variety of coverages, including but not limited to the following:

Physical Damage Coverage

This coverage protects your boat while it is in storage or during transport. It also covers your boat when it is out of the water, for example, if there is a fire, lightning strike, vandalism, or theft. You can also get reimbursement for emergency service expenses such as towing, labor, or supplies.

Liability Coverage

This insurance policy will help you if your boat crashes into another vessel, a dock, or other boaters.

Personal Liability

If you are involved in an accident that injures another person, our protection plan will cover you or your family member.

Medical Payments

If you or someone in your party is injured during your cruise, rest assured that medical expenses will be covered.

Property Damage

The damage that your watercraft may cause to another person’s property.

Protect Your Investment With Quality Insurance

No one wants to think about what could happen to their boat or watercraft. But the truth is accidents happen all the time. That’s why it’s so important to have quality insurance to protect your investment. Term Brokers Insurance Services specializes in boats and watercraft insurance in Fort Walton Beach, FL. We can help you find the right coverage for your needs so you can rest assured knowing your investment is protected.

At Term Brokers Insurance, we want to ensure you have the best and most affordable coverage possible. Thus, we advise that you consult with one of our professional agents. We will evaluate your boat or jet ski insurance needs and find coverages or discounts you may not have known otherwise.

Some additional discounts and coverages may include:

Accident forgiveness
Roadside Assistance
Boat Removal
Boating Safety
Multi-policy discounts

Frequently Asked Questions

Q: What is not covered by boat insurance?

A: Your boat insurance policy will not cover any damage caused by normal wear and tear. It also will not cover any damage done intentionally or due to your negligence. Additionally, your policy will not cover any damages that occurred while your boat was being used for a criminal act.

Q: Does insurance cover if your boat sinks?

A: Most boat insurance policies will cover you if your boat sinks, but there may be some limitations. For example, if the sinking was due to your negligence, it will likely not be covered. Additionally, many policies have a cap on how much they will pay for a sunken boat.

Q: What is the difference between liability and comprehensive insurance for boats?

A: Liability insurance will cover any damage you cause to another person or their property with your boat. Comprehensive insurance will cover damages to your boat, regardless of who is at fault.

Q: How much does boat insurance cost?

A: The cost of boat insurance depends on various factors, including the type of boat, the value of the boat, where you live, and your driving record. Generally speaking, though, you can expect to pay several hundred dollars yearly for boat insurance.

Q: Is there a deductible for boat insurance?

A: Yes, most boat insurance policies come with a deductible. The deductible amount will vary depending on the policy, but it is typically several hundred dollars.

Q: What is the best way to get boat insurance?

A: The best way to get boat insurance is to work with an independent insurance agent who can help you compare quotes from different insurers. This way, you can be sure you are getting the coverage you need at the best possible price.

Why Choose Us

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Are you looking for a reliable and affordable homeowners insurance policy in Fort Walton Beach, FL? If so, you’ve come to the right place. At Term Brokers Insurance Services, we understand the importance of protecting your home and belongings, and we’re here to help you find the perfect policy for your needs. Contact us today at 850-864-2000 to learn more!