Common Boat Insurance Myths That Florida Residents Should Avoid

Runnels Insurance serves the Brandon, FL community by offering residents different types of insurance policies. We strive to treat our clients like family. As an independent insurance agency, we have established partnerships with multiple companies in the South. This helps us serve our clients regardless of their needs.

Boat Insurance Myths

Florida is one of the most popular boating states in the country. If you are one of the many residents in Brandon, FL who own a boat, it’s important that you have protection. Boat insurance allows you to protect your assets in the event that your boat is involved in an accident. While researching different policies, avoid these common boat insurance myths.

I Can Just Amend My Home Or Auto Policy

Many people believe that they can just amend their home or auto insurance policy to cover their boats instead of researching a separate policy. This is a mistake. A direct boat insurance policy allows you to fully cover your boat. Instead of having to amend your current auto insurance policy, research a boat insurance policy that focuses directly on your boat.

All Of The Policies Are Similar

Boat insurance varies depending on the type of boat that you have. You also have to figure out how much liability coverage you need, especially if you plan to operate your boat while other people are on board. If you have special accessories on your boat, you may have to amend your policy to cover those items.

I Have Coverage Regardless Of Where I Operate My Boat

Make sure that you carefully read over the navigational limits in your policy. The policy will outline the exact places where you can operate your boat and maintain coverage. Operating your boat outside of the outlined areas in your policy is a huge risk.

Runnels Insurance Will Guide You Through The Process

For more information on boat insurance policies, visit our website today!