Watercraft and Boat Insurance in Clearwater, FL
Watercraft and boat insurance may provide financial support if your vessel is damaged, stolen or involved in an accident. Many marinas and storage facilities in Florida require liability coverage before allowing you to dock or store your boat. You may also need this policy if you have a boat loan or lease. 
What Does Watercraft and Boat Insurance Cover?
United One Insurance offers watercraft and boat insurance policies that may include the following:
- Liability coverage may compensate for bodily injuries or property damage you cause to others while operating your boat.
- Collision coverage may pay to repair or replace your boat after a crash with another vessel or object.
- Comprehensive coverage may address losses from noncollision events such as fire, theft or vandalism.
- Personal effects coverage may cover fishing gear, electronics and other personal items on board.
- Uninsured/underinsured boater coverage may provide financial assistance if another party is at fault for an accident but lacks liability coverage.
Keep in mind that watercraft and boat policies do not cover everything. Your policy may exclude damage from normal wear and tear, mold, infestations, mechanical breakdowns and manufacturing defects. Using your vessel for racing or business purposes may also limit or void coverage
What Optional Coverages Can I Add?
You can augment your policy with optional coverages that better match your vessel and boating habits. Common examples include:
- Roadside assistance coverage for boat trailers
- Emergency services coverage, including help with towing or fuel delivery on the water
- Coverage for travel into international waters
- Coverage for higher-value boats
Our team can walk you through available add-ons and help align them with how and where you use your boat
Get Started
United One Insurance can assist you in selecting a suitable watercraft and boat insurance policy. Contact us today to speak with one of our agents or request a personalized quote.