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Boat Insurance FloridaBoat Insurance

What does Boat Insurance cover?

Most boat policies cover physical damage to the hull, sails, machinery, furnishings, and most other equipment that is normally used on board. Most dangers are covered including vandalism, malicious mischief, and damage which results from collision or sinking.

Insurance needs differ depending on the type, age, or value of the boat or watercraft you own. Your policy will explain in detail what is covered and what is specifically excluded.

What about Liability Coverage for your boat policy?

You are also insured against liability losses. You are covered for damage you may cause to another boat, yacht, personal water craft, sailboat or dock, and for bodily injury or death to another person while operating your vessle.

Under most boat policies, the boat trailer is covered against physical loss or damage from any external cause.

What additional coverage is included on a boat policy?

You may purchase optional coverages, such as:

  • Coverage for your personal property
  • Coverage for your fishing equipment
  • Coverage against injury to you caused by an uninsured boater

What types of boats can we help you insure?

  • Bow Rider - Open bow type of boat with seating. They are best suited for use in lakes and inland waterways.

  • Center Consoles - Single decked open hull boats with the operator's console (helm) in the center of the boat. Work great as fishing boats. Most are powered by outboard motors.

  • Cuddy Cabin - A boat that contains a small cabin in the bow..

  • Walk Around - Cross between center console and a cuddy boat. Generally used as fishing boats and they contain a small cabin.

  • Ski Boats - Flat bottom, high torque boats designed to safely tow water skiers. Powered by high-horsepower engines.

  • Pontoon - Relatively inexpensive, flat hulls that sit on pontoons. Commonly referred to as "party boats". Should only be used in calm inland waters.

  • Jet Boats - Propelled by a jet of water ejected from the back of the craft. Come in a variety of sizes.

  • Personal Watercraft (PWC) - A watercraft used for recreational purposes that you sit or stand on. Often referred to as WaveRunner, Jet Ski or Sea Doo which are actually brand names.

  • Sailboats - A boat propelled partially or entirely by sails. Can be used for racing, sport or just cruising.

  • Bass Boats - A small, flat bottom boat used primarily for bass fishing in inland waters. They are often equipped with swivel chairs for easy casting.

  • Commercial Vessels and P&I

  • Private Pleasure Craft from $50,000 to $200,000,000.

  • Cargo Commercial Fishing

  • Charter International Risks

Is my boat covered when it's not in the water?

It's covered if you have physical damage (comprehensive and collision) coverage.  Liability, Uninsured Motorist and Medical Payments coverages only respond when your boat is in the water.

If I am in an accident while towing my boat who pays for the
damages?

If your boat is damaged your boat policy will respond if you have physical damage (comprehensive and collision) coverage on your policy.

Simply call 888-478-7801 or complete our online quote request form.Your local GreatFlorida Boat Insurance Agent in Florida will help you find the best deal for you.

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Call 888-478-7801

About Boat Insurance in Florida

A subtropical climate with almost 1,200 miles of coastline creates the ideal conditions for boat owners in Florida. GreatFlorida Boat Insurance will dissipate your worries so you can relax and have safe fun on the water.

Your Local Agent at GreatFlorida Insurance Florida offers customized boat insurance policies to guard against unexpected damages, replacement and liability.  Whether you plan to fish, water ski or enjoy the sunset, we cover many different boats with optional coverage to reflect your lifestyle.

Boat Insurance will give you peace of mind while you are out on the water. GreatFlorida Insurance offers boat owners in Florida a variety of protection from the risks of owning, operating and towing your boat.

GreatFlorida Boat Insurance provides coverage to jet skis, sailboats, yachts, fishing boats, ski boats and more. GreatFlorida Insurance carries top notch marine insurance policies to protect your vessel. Contact Your Local Agent at GreatFlorida Insurance today and our they will get to work for you with a simple, free quote.

Whether you currently own a boat, yacht, personal water craft, sailboat or are a prospective buyer, Your Local Agent at GreatFlorida Insurance Florida can help you find the right Boat Insurance policy at the right price.

GreatFlorida Insurance shops all the major carriers in Florida, to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the GreatFlorida Insurance promise.

Simply call 888-478-7801 or complete our online quote request form.

Boat Insurance Florida Blog
by GreatFlorida Insurance
7/15/2019

Beginning today, July 15 through July 21, state troopers and local law enforcement across Florida are cracking down on speeding drivers. “If you have a lead foot, slow down or you will get pulled over,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

“Operation Southern Shield 2019” will focus on drivers who are breaking the law by traveling above the speed limit on interstates, major highways and local roads. In addition, law enforcement in Georgia, Alabama, Tennessee and South Carolina will also be participating.

The focus is to encourage motorist to slow down, therefore reducing crashes and providing a safer experience for motorists. “The goal of Southern Shield is to not write a lot of tickets but to show drivers how speeding drastically increases their chances of being in a crash,” Governor’s Office of Highway Safety Director Allen Poole said. “We are warning drivers now so those who do not want to see blue lights in the rearview mirror will follow the speed limit, wear their seat belt, and drive alert and sober.”

The National Highway Traffic Safety Administration (NHTSA) reports in 2017, speeding killed 9,717 people, accounting for more than a quarter (26%) of all traffic fatalities that year. The Florida Department of Highway Safety and Motor Vehicles says more than 10, 590 crashes in 2018 in Florida involving speeding or driving too fast for conditions. Speeding was also a contributing factor in 8.7% of all crash fatalities statewide, resulting in more than 270 fatalities.

“Getting a speeding ticket can cause a hike in your auto insurance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

According to DMVFlorida.org, If you get a traffic ticket in Florida, you have 30 days to pay off your citation, go to traffic school or request a court appearance. Speeding fines vary across the state, from county to county.

GreatFlorida Insurance offers dependable and affordable car insurance. Give us a call today for your free quote.

The post Law Enforcement Plans to Crack Down on Speeding Motorists appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/8/2019

The Florida Fish and Wildlife Conservation Commission (FWC) has issued a directive encouraging Florida homeowners to kill green iguanas they find on their property. “It might sound a bit barbaric, until you better understand the threat these reptiles can cause,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Green iguanas are not native to Florida and are an invasive species from Central and South America.  The reptiles damage structures such as seawalls, sidewalks and roofs. They also destroy landscape plants with flowers and foliage as well as some fruit and any vegetable plants. The creatures can also transmit salmonella to humans through contact with water or surfaces contaminated by their feces.

“It is important to check your pools to prevent contamination,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

No permit is required to kill green iguanas on your property, however they are protected by Florida’s anti-cruelty law, so the execution must be considered humane. A hard blow to the head- a quick death, is recommended. It is illegal to poison, drown or freeze the reptiles as well as relocate captured iguanas. You cannot kill or set traps in common areas in communities and condos owned by an HOA. In these instances, it is best to contact a professional removal service.

The Miami Herald reports iguanas have burrowed into sewer lines and under roads, popped-up in toilets, and shopping centers.

The FWC website says, green iguanas can live on the ground, in shrubs or in trees in a variety of habitats including suburban developments, urban areas and agricultural areas. The reptiles are excellent swimmers and tolerate both fresh and saltwater. They can submerge themselves for up to 4 hours at a time. Contrary to their name, the retiles are blue, brown, orange, black and pink. The males can grow to over 5 feet long. Their population is difficult to control, since they can lay over 70 eggs a year and have no known predators.

If you have green iguanas on your property you want to get rid of the FWC has some advice on how to drive them from your place.

Fill in holes to discourage burrowing.

Hang wind chimes or other items that make intermittent noises.

Hang CD’s or décor with a reflective surface.

Spray the animals with water or use a sprinkler.

The post Iguanas Overrun Florida appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/26/2019

Summer is in full swing, which mandates a trip to the beach. With the most beautiful beaches in our backyard, it’s a shame not to take full advantage.

“Open water swimming at the beach is adventurous and can provide a challenging workout,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

While swimming in the ocean is fun, changes in water depth and hidden currents also make it unpredictable.  Here are a few tips to keep your beach trip enjoyable and safe.

Swimming at the Beach

The American Red Cross recommends to always stay within your fitness and swimming capabilities.

Swim in a supervised, marked area with a lifeguard present, and swim with others. Never swim alone.

“Continually supervise children around water and never leave young children unattended around water, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

Stingray season is from April – October, when entering the water look around the edge, where they generally hang out. A purple flag at city beaches will provide a warning.

Rip currents and undertow currents are the biggest dangers to swimmers at the beach. Swim in an area where there is a lifeguard on duty or ask other swimmers about the conditions in the water. If you are caught in a rip current, swim parallel to the shore until you are out of the current. Once you are free, turn and swim toward shore. If you can’t swim to the shore, float or tread water until you are free of the rip current and then head toward shore.

If you find yourself pulled out to sea by a current, don’t panic. Try to keep calm to conserve energy. Relaxing is also the best way to stay afloat. Breathing deeply draws more oxygen into your body, lowering your overall density and thereby buoying you up in the water. Laying back also helps you float, because it makes it more difficult for water to flow around your outstretched body and force it downward compared to when you’re upright. If necessary, kick your legs and wave your arms very gently, cupping your hands to push water downward and turning them on edge to slide them upward.

Do not swim at any beach right after a heavy rain. Runoff following a heavy rain may result in a high bacteria level.

The Florida Department of Environmental Protection has a beach flag program to alert beach goers of surf conditions. Also, to check conditions before you head out, go to visitbeaches.org/ for updated information on specific beaches.

GreatFlorida Insurance provides Floridians with boat insurance policies for various kinds of watercraft. For more information call us at 888-478-7801 or visit us online at www.greatflorida.com.

The post Let’s Go Swimming appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/19/2019

“Several popular food items have been recalled over the past month,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

The following are a list of the food products to check.

The Sprouts Farmers Market grocery chain is recalling conventional and organic frozen spinach manufactured by National Frozen Foods. Food Safety News reports the recalled bags were shipped to retailers in 19 states including Florida. A random sample tested positive for Listeria. The contaminated bags have a, “Use By Date” of 12/3/21.

The U.S. Food and Drug Administration (FDA) released a public health alert, warning consumers that several frozen berry products manufactured by Townsend Farms Inc. were found contaminated with Hepatitis A. Among the products in question are frozen berries from Kroger and Costco.

  • Kroger: Private Selection Frozen Triple Berry Medley, 16 and 48 oz. and Private Selection Blackberries 16 oz.
  • Costco: Kirkland Signature Brand Three Berry Blend

“Bakers beware of an ongoing flour recall,” warns Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

Three flour brands including Pillsbury, King Arthur and ALDI have been recalled after the FDA discovered an ongoing E. coli outbreak tied to Archer Daniels Midland Co. Seventeen reported cases of the Shiga toxin-producing E. coli infections have been reported with three hospitalizations, according to the Centers for Disease Control and Prevention (CDC).

  • Pillsbury Best Bread Flour 5-pound bag
  • King Arthur Unbleached All Purpose Flour 5-pound bag
  • ALDI Baker’s Corner All Purpose Flour 5-pound bag

Ragu recalls three flavors of pasta sauce. The company that makes it, Mizkan America Inc. reports they may contain plastic fragments. The products in question are listed below.

  • Ragu Chunky Tomato Garlic & Onion, 45 & 66 oz.
  • Ragu Old World Style Traditional, 66 oz.
  • Ragu Old World Style Meat, 66 oz.

If you are in possession of any of the following tainted food items, click on the links in the article for more detailed information. You can also return them to the store for a refund and toss them out immediately.

GreatFlorida Insurance wants to keep you safe by keeping you informed. We offer dependable health insurance options through Florida Blue, Blue Cross Blue Shield of Florida. Give us a call today.

The post Check Your Food Pantry and Freezer appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/12/2019

Lightning is wreaking havoc in Florida. In the past week, lightning struck and killed two giraffes at the Lion County Safari in Loxahatchee. As if that was not unusual enough, a motorcyclist was struck and killed on his bike, while driving on I-95, in Volusia County.

“Lightning is such a common occurrence in Florida we often dismiss its dangers” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent motorcycle insurance agency.

Motorcyclist are especially vulnerable to lightning strikes because they lack the protection of a car’s metal shell, reports The National Lightning Safety Council, John Jensenius. It is a common misconception that the rubber on the tires of the bike will keep you safe.

Jensenius was also quick to debunk another myth, that a motorcyclist can outrun lightning, if you are traveling fast enough you cannot be struck. However, lightning travels too quickly to be outrun by humans.

The Weather Channel reports the motorcyclist who died in Florida is the 12th person killed in a motorcycle-related lighting death in the U.S. since 2006.

Lightning kills and injures more people in Florida than any other state. The Red Cross reports, more people are killed every year by lightning strikes, than tornadoes and hurricanes. Thunderstorms produce lightning along with damaging winds and heavy rain that can cause flooding.

The National Oceanic and Atmospheric Administration (NOAA) estimates, 25 million cloud-to-ground lightning flashes in the U. S. every year. Lightning can strike more than 10 miles from where it is raining. If you hear thunder, lightning is close enough to pose a threat.

All thunderstorms produce lightning. Lightning strikes cause horrific injuries. Being struck can cause burns, serious lifelong pain and permanent neurological disabilities, as well as cardiac arrest and death.

“Every year claims for lightning losses total in the hundreds of millions, reports Buck with GreatFlorida Insurance, Florida’s top independent motorcycle insurance agency.

Some safety tips to heed during a thunderstorm are listed below.

When thunder roars, go indoors. There is no safe place outside during a thunderstorm. If you are in the water, get out immediately. Avoid open structures such as gazebos, porches and baseball dugouts.

Lightning tends to strike the tallest object in the area and you do not want that to be you. If you are caught in an open area, such as a golf course or ball field, the Centers for Disease Control and Prevention (CDC) recommends you crouch down into a ball position, with your feet and knees together with your head tucked and your hands over your ears. The idea is to get low without touching the ground. Lightning causes electric currents along the top of the ground that can be deadly from over 100 feet away.

If you are in a group spread out from one another to reduce the number of injuries if lighting strikes the ground.

Wait to go outside for 30 minutes after you hear the last thunderclap.

Someone who is struck does not carry and electrical charge and requires medical attention immediately.

Don’t let a storm rob you. GreatFlorida Insurance provides top notch motorcycle insurance to fit your budget. Give us a call today.

The post Lightning Striking Again appeared first on The GreatFlorida Insurance Blog.