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Need to Insure a Boat? Check Out American Integrity Small Boat Owners Insurance

We’re lucky in the Tampa Bay area to be able to enjoy our boats and water sports nearly year round. 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. From time to time, we’ll draw attention to one of our carriers and what they specialize in. This month we want to introduce you to American Integrity, an A-rated, Tampa Bay-based insurance company, focused on insuring Florida consumers. Today we’ll discuss their special small boat owners insurance program, and later in the month, we’ll share information about their excellent homeowners insurance program.

Small watercraft

American Integrity’s 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, American Integrity offers optional coverages, including Bahamas coverage, mechanical breakdown, medical payments, personal effects, and supplemental liability for boats you rent.

Discounts available

To lower your premiums, American Integrity offers several types of discounts, including ones for taking safety courses (state-certified, U.S. Power Squadron, U.S. Coast Guard Auxiliary, or U.S. Coast Guard’s Captain’s License), as well as 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.

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We Can Insure That! Let L & M Insurance Group Help With Specialty Insurance Coverage

You already know L & M Insurance Group can get you great deals on your homeowners, car, and business insurance (and if you don’t, contact us today for a free quote!). But what if you buy a recreational vehicle, boat, or personal watercraft? Where should you go for insurance? Wonder no longer—we can insure that!

We want to be your one-stop insurance agents. Not only can we insure your home, car, and business, we can also provide specialty insurance coverage.

What is specialty insurance coverage?

Simply put, specialty insurance coverage is insurance for special or unique items or situations not typically covered under a standard home or auto insurance policy. This might include insurance coverage for classic cars, boats, ATVs, motorcycles, RVs, or personal watercraft.

In addition, important coverages such as flood insurance and umbrella policies can also be considered specialty insurance.

Protection from financial loss

The purpose of any insurance is to provide protection from financial losses—both physical losses and liability losses. Once you have the basics covered—insurance on your home and vehicles appropriate for your situation—you should consider what losses you might incur that would not be covered by those policies. What assets do you want to cover—like boats, RVs, and other “toys,” for example? You may need flood insurance, since flood damage is not covered by a standard homeowners insurance policy, or an umbrella policy to protect your financial assets in case of a lawsuit.

This might sound confusing, but it doesn’t have to be. As an independent agency, L & M Insurance Group has been serving Riverview, Brandon, Gibsonton, Apollo Beach, Tampa and nearby communities for more than 10 years. We represent dozens of financially stable, A-rated insurance companies, and we will be happy to advise you in choosing the right specialty insurance coverage for your needs. Please call 813-672-4100, contact us, or visit www.landminsurancegroup.com for more information.