Watercraft Insurance

Ormond Beach, Daytona Beach, and Palm Coast, Florida

The vernacular of watercraft insurance goes that vessels classified as "boats” are 26 feet or less and “yachts” are 27 feet or more. Insurance coverage for yachts is more specialized because larger boats tend to travel further and have broader, more unique needs to insure.

Ormond Beach boat insurance will usually include:

  • Bodily injury to cover injuries caused to another person
  • Property damage to cover damage caused to property not your own
  • Guest passenger liability to cover legal expenses incurred by someone using the boat with the owner's permission
  • Medical payments to cover injuries to the boat owner and other passengers
  • Theft of the boat or items on board (but it is always a good idea to check and make sure that specific items of value, such as fishing gear, are covered)
  • Some policies may or may not include towing coverage if your boat breaks down

You will find that liability limits start at $15,000 and can be increased as high as $300,000. Typical deductibles you will encounter: $250 property damage, $500 theft, and $1000 medical payments. We might suggest an umbrella policy that covers your home and car, as well as your boat. Trailers to pull boats, or other watercraft accessories, can be included in the umbrella policy or additional coverage could be purchased.

The good news is that you may be eligible for discounts on your boat insurance if you meet any of the following criteria:

  • Coverage of a diesel powered boat, which is less prone to explosion than gas powered boats
  • Coast Guard approved fire extinguisher on board
  • Ship-to-shore radio on board
  • Two years or more of insurance with no claims
  • Various other coverage with the same insurer
  • You have completed a boat safety education courses offered by the Coast Guard Auxiliary, U.S. Power Squadrons, or American Red Cross.

Contact Mitchell Noel for more information about or a free quote on boat insurance.

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