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Boat Insurance

There are many different boat insurance options to protect you, your boat, and others.

Types of coverage for your boat or Personal Watercraft:

  • Bodily Injury & Property Damage Liability

  • Uninsured Boater

  • Medical Payments

  • Comprehensive & Collision Options

     – Actual Cash Value

     – Agreed Value

     – Total Loss Replacement

  • Personal Effects Replacement

  • On-Water Towing & Labor Coverage Service

  • Roadside Assistance

  • Fishing Equipment

  • Fuel Spill Liability

  • Wreckage Removal

  • Medical Payments

  • Mexico Physical Damage

  • Water Sports

  • Navigational Area

There are many different types of Orlando boat insurance and many exclusions that need to be considered when you are contemplating your coverage. We can offer you all-risk watercraft insurance policies that protect you and your boat from top to bottom. When insuring your recreational watercraft or a non-commercial fishing boat, Harry Levine Insurance offers all of the coverage you need. We currently insure all types of pleasure runabouts, pontoons, fishing boats, bass boats, performance watercraft, ski boats, and many more.

What’s Covered

Coverage is available up to the policy limits for your legal liability if someone is injured or property is damaged. A combined single limit means that you can use as much as you need within the limit towards either Bodily Injury or Property Damage.  Split Limit coverage assigns specific limits to each coverage type.

Some Exclusions

  • No commercial use (pleasure use only).

Consider specialized coverage. Coverage beyond the scope of a standard boaters policy may include Roadside Assistance, where your boat is towed for free as long as your trailer is covered; On-Water Towing, in case you’re stranded on the water; and Uninsured Boaters coverage. Certain carriers also offer Fuel Spill Liability and Wreckage Removal. Without these coverage’s, you may end up getting stuck with the bill for cleanups and removals or other salvage related operations. Personal Effects and Fishing Equipment coverage’s are also available.

If you travel, make sure your coverage goes with you. Some insurance companies limit where you can go with your boat and still be covered.  Make sure your policy covers you where and when you use your boat.

Think about replacement cost. Boats depreciate just like cars do. A homeowners policy endorsement will only pay you actual cash value for your boat, which could make it difficult to replace your boat if it’s destroyed. But at HLI, you have that option and others. With Total Loss Replacement, you may be entiteled to replace your boat with a brand new model if the loss is within the first five model years. We also offer Agreed Value coverage no matter how old your boat is. Call Harry Levine Insurance today to insure your boat now!