How to Insure a Boat You Keep at a Marina

Florida boats kept at marinas can face risks such as theft, vandalism, fire and storms, as well as liability for damage to other vessels or marina property, which standard policies may not fully cover. Casual Insurance Group can help you find boat insurance options suited to your needs.

Key Coverage Considerations

There are several coverage areas you may review for a marina-stored boat:

• Physical damage coverage may help pay for damage to your vessel from storms, fire or collisions, such as if someone crashes in your boat while it’s docked.
• Liability insurance may help cover injuries or property damage caused to others while your boat is docked or on the water. Many marinas can require proof of liability coverage.
• Pollution liability coverage may be required by some marinas for accidental fuel or oil spills from your vessel.
• Personal property coverage can help cover equipment and personal belongings kept on your boat.

You should also be aware of how coverage may apply to possible incidents while docked at marina. For example, while physical coverage can often address weather-related losses, named storm deductibles may apply to severe tropical storms and hurricanes. Understanding all details of your policy is essential before leaving your vessel at a marina.

Meeting Marina Requirements

Each marina can set its own insurance standards, and requirements may vary by location and size. Boat owners may need to carry minimum liability limits, add specific endorsements to their policy and provide proof of coverage before docking. Some marinas may also require specialized coverage, such as pollution liability.

We Can Help Florida Boat Owners

Our team can help you learn more about boat insurance. Contact Casual Insurance Group today to discuss your coverage options and request a free personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.