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Boat insurance isn’t required in Florida, but if you are thinking about skipping this coverage, you are putting yourself and your boat in danger. If your boat is financed, your lender may ask you to carry watercraft insurance as long as the loan liability is outstanding. However, whether boat insurance is mandatory or not, you need to purchase one from McCormick Insurance Inc. of Pembroke Pines, FL, to enjoy the below benefits.
Liability protection
Given the popularity of boating activities in Florida, the danger of boating accidents is never far from you. And when an accident happens, and you are at fault, you could be facing significant liability claims for losses and damages caused to third parties. However, you can avoid going this route by securing your boat with insurance.
Boat damage protection
Did you know that Florida is the leading state with the highest number of registered recreational vessels? Given these statistics, boating accidents are a reality for Florida boaters. But because we can’t avoid accidents 100 percent, you need to protect your boat with insurance.
Boats aren’t at risk in the water only. Even when parked in your garage, perils like theft, vandalism, falling objects, and fire can still strike. However, with comprehensive boat insurance, you can relax, knowing your boat is well-covered.
Medical payments coverage
If you live in America, you must be aware of the escalating healthcare costs. When involved in a boating accident, you and your passengers could incur significant medical expenses. Without health insurance, you could be facing a financial crisis. To that end, considering medical payment coverage in your boat insurance is vital.
Depending on add-ons you incorporate in your boat insurance, you can also enjoy:
- Roadside and emergency assistance
- Personal property protection
- Underinsured/uninsured boater protection
- Mechanical breakdown coverage
Whether it’s a yacht, fishing boat, sailing boat, or personal watercraft, boat insurance protects and gives you peace of mind when enjoying the waters. If you are in Pembroke Pines, FL, and the nearby areas, you can purchase boat insurance from McCormick Insurance Inc. Contact us today for a quote.