Boat Insurance - L & M Insurance Group Tampa, Brandon, Florida

Boat Insurance for Tampa, Brandon, and Florida

We’re lucky in the Tampa Bay area to be able to enjoy our boats and water sports nearly year-round. Fishing, waterskiing and cruising are great ways to enjoy the water. But before you hit the bay, lake, or river, do you have the insurance coverage you need for your boat? Even if you don’t have to carry insurance to satisfy a lender, many marinas require proof of boat insurance before they will allow you to dock, and you should also have coverage in place to protect your liability. As an independent insurance agency, L & M Insurance Group represents many quality insurance carriers—not just one.

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Do I need to have Boat Insurance in Florida?

You aren’t legally required to carry boat insurance in Florida, but that doesn’t make skipping coverage OK for Floridians. There are a lot of reasons why having insurance for your boat makes a lot of sense. If it would be a hardship to replace your boat out-of-pocket, you should probably insure it. Your homeowners insurance policy probably won’t cover your boat or the resulting medical bills if anyone is injured.

Small watercraft

Small boat owners insurance is specifically designed for small watercraft (up to 30 feet with underwriting approval), including sailboats, bass boats, pontoons, cruisers, and personal watercraft such as WaveRunners and Jet Skis. Some features of the program:

Boat policies can be written with hull coverage, liability coverage, or both
Boat policies can be written on an Agreed Hull Value or Actual Cash Value basis
Boating Liability coverage can be purchased up to $500k as a Combined Single Limit or Split Limits
Boat policies can be written with a maximum of two owners with an endorsement
Uninsured Boater coverage is included with the Boating Liability limit, but can be excluded for a reduction in premium
Fuel spillage coverage is included
No need to file a navigation plan with them

In addition to the above, many policies include optional coverages, including Bahamas coverage, mechanical breakdown, medical payments, personal effects, and supplemental liability for boats you rent.

Featured Carrier American Integrity

American Integrity is an A-rated, Tampa Bay-based insurance company, focused on insuring Florida consumers. Their small boat owners insurance program offers unique discounts and benefits

Available Discounts

To lower your insurance premiums and make your policy more affordable American Integrity offers several types of discounts. You can qualify for discounts by taking boating safety courses (state-certified, U.S. Power Squadron, U.S. Coast Guard Auxiliary, or U.S. Coast Guard’s Captain’s License). American Integrity also offers a multi-program discount if you have your homeowners insurance with them.

If you’d like to see if an American Integrity small boat owners policy is right for you, please call us at 813-672-4100 or email us for a boat owners insurance quote.

Experts at Insuring Boats in Florida

If you’d like to see if a boat policy is for you, please call us at 813-672-4100 or email us for a boat owners insurance quote. We’ll review factors like type of vessel, primary usage, age, value, and size of the boat to determine what would be appropriate. We have many options from liability only to comprehensive. L & M Insurance Group is an independent insurance agency and able to shop multiple insurance carriers to find the best option for you. We are located in Riverview, Florida and proudly serve the surrounding areas of Brandon, Valrico, Ruskin, and Tampa Bay. We are able to serve the entire state of Florida to make sure you have the right insurance coverage for your boat. So whether you want an insurance policy for your pontoon boat, cabin cruiser, yacht, or other motorboat we have you covered.

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