Ardent Boat Insurance: Your Ship Could Be Sunk Without It
Do not take the risk of not having boat insurance. You never what could happen on the water, and protecting your boat, yourself, and passengers is essential.
Having a boat comes with many risks and liabilities that many people do not realize. This isn’t meant to scare you, but it’s to ensure you seek the coverage you truly need so you don’t have to worry about using your boat.
Boat & Watercraft Insurance: Coverage for Your Fellow Floridians
Boat insurance isn’t only for you, though. It’s for others on the water as well. If an accident were to occur, you want your insurance to pay for their medical costs and damage to their boat. Without adequate boat insurance, you could end up paying for everything yourself, which could result in bankruptcy.
What Does Boat Insurance Cover?
Boat insurance covers a wide range of situations that are common risks for owners. For instance, if your boat were to sink, catch on fire, become damaged in a storm or collision, or get stolen, you will be covered for repair and replacement costs.
Boat insurance policies vary widely, though. This is why it’s important to reach out to an independent insurance agent in Naples, FL. You need to make sure the policy you have is covering events that threaten you and your boat the most.
What’s also good to know is that boat insurance just doesn’t cover the structure of the vessel, but other equipment attached, such as:
- Boat cover
- Anchors
- Oars
- Extra fuel tanks
- Removable canopies
- Seat cushions
- Life jackets and preservers
- Tow ropes
- Dinghies
- ...and much more
Does Florida Law Require Boat Insurance
Unfortunately, Florida law does not require boat insurance, but does that mean you shouldn’t have it? No. You really should have it. We encourage all of our customers with boats to have proper boat insurance because the risks of not having it are just too great to ignore.
Why Comprehensive Boat Insurance from Ardent Insurance & Risk Management? It’s the Right Thing to Do
Having comprehensive boat insurance is just the right thing to do because you don’t ever want to get in a situation in which you have to pay for people’s medical bills if there was an accident. Also, if there was damage to their boat, you would want their boat to be repaired as well. If you’re like most people, you may not have millions of dollars to repair or replace someone else’s boat. Boat insurance could step in and take care of it.
Discounted Boat Insurance with Multiple Ardent Insurance & Risk Management Policies
Ardent Insurance & Risk Management offers multi-policy discounts. This means if you have more than one policy with one of our independent insurance agents in Naples, you can receive a discount on the premiums. This is why many boat owners turn to us for help with their policy.