Florida Boat Insurance Information
The value of quality Florida boat insurance often doesn't become apparent until you really need it. Whether it's a
minor dent or a more substantial accident, it pays to have Florida boat insurance coverage you can count on.
Let our experienced Florida boat insurance specialist explain the different Liability Limits, Comprehensive, Personal
Injury Protection, Collision, Medical coverages, and deductibles that are available for you to choose from. Bauknight
Insurance of Spring Hill, FL offers affordable boat insurance coverage policies from a leader in the insurance
Click on the link below to fill out a secure quote request form for a Florida Boat Insurance policy that will
provide excellent insurance coverage for your boat at an affordable cost. Or you can speak with our Florida
Boat Insurance agent specialist at (352) 686-0612 or (727) 863-5641 to discuss the insurance features.
We are a Hernando County Florida based insurance agency offering affordable
Florida boat insurance policy premiums in the following cities and counties:
Spring Hill, Hudson, New Port Richey, Holiday, Brooksville, Aripeka, Bayonet
Point, Port Richey, Gulf Harbors, Elfers, Anclote, Tarpon Springs, Palm Harbor,
Land O' Lakes, Masaryktown, Garden Grove Esates, Spring Lake, Weeki
Wachee, Bayport, Brooksville, Istachatta, Pineola, Nobleton, Bushnell,
Sumterville, Center Hill, Webster, Linden, Mascotte, Tarrytown, Ridge Manor,
Catherine, Trilby, Lacoochee, Dade City, Blanton, San Antonio, St. Leo,
Zephyrhills, Crystal Springs, Wesley Chapel, Pasco, Darby, Odessa, Richland,
Lumberton, Homosassa Springs, Hernando County, Pinellas County, Citrus
County, Hillsborough County, and Pasco County, FL. We can also offer our
Florida boat insurance coverage services throughout the state, including Winter
Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg, Tallahassee, Ft.
Lauderdale, and Jacksonville.
Learn more about Florida Boat Insurance
coverage options below!
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Florida Boat Insurance Info
Covers damage caused to the owners boat from a collision caused by another
boat, vehicle, or other object. The deductible is the amount you choose to pay
upfront (if any) before the boat insurance policy pays. The higher the deductible
chosen the lower the collision coverage cost of the Florida boat insurance
Covers damage caused to the insured's boat (your boat) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the boat
insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost of the Florida boat insurance policy.
Florida Boat Insurance Info
Florida Boat Insurance Info
Injuries that you (insured) cause to someone else is covered under this part of a boat
insurance policy. The minimum liability insurance coverage available for purchase in
Florida is 10/20 and is explained in detail below. However, we recommend that you
choose liability insurance coverage amounts that are much higher than the Florida
minimums listed below. Contact us at (352) 686-0612 or (727) 863-5641 to discuss
what liability coverage amounts you require to meet your needs.
10/20/10 10=$10,000 - 20=$20,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an
Second number = bodily injury liability maximum for all injuries in one
Third number = property damage liability maximum for one accident.
Damage caused by the insured (you) to someone else's property, such as another
boat or dock, is covered through property damage boat insurance coverage. This
coverage also assists in protecting you if a lawsuit arises from an accident. The
minimum required coverage amount in Florida is $10,000.
Bodily Injury Liability
Florida Property Damage Liability
Florida Liability Coverage limits explanation:
Florida Boat Insurance Info
80% of medical benefits for all reasonable expenses for necessary medical, surgical,
x-ray, dental and rehabilitative services, including prosthetic devices, wheelchairs,
crutches, slings, neck braces and splints (including necessary travel related to
medical care.)
80% of necessary remedial treatment (nursing home care or home nursing care).

60% of disability benefits for any loss of gross income and loss of earning capacity
from inability to work because of an injury suffered in an accident.
Benefits Provided:
Florida Boat Insurance Info
100/300 100=$100,000 - 300=$300,000
First number = uninsured boater maximum for one person injured in an
Second number = uninsured boater maximum for all injuries in one
Example of Uninsured limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or
an at-fault driver who has no liability insurance. This is not a required coverage
for Florida Boat Insurance. Contact us to discuss what uninsured coverage
amounts you require to meet your family or personal needs.
Florida requires a minimum of $10,000 of (PIP) or personal injury protection
coverage. This coverage pays medical bills for injuries suffered in a boat accident
regardless of who caused the accident.
Boat Insurance Policy Questions

Are boat insurance rates higher for new boat owners?

Boating experience is one of the factors incorporated into boat insurance rating. If you have little or no prior
boating experience, it's understandably difficult for an insurance carrier to judge your ability to operate a boat
safely. Therefore, first time boat owners can expect to pay more for boat insurance than an experienced
boater. Completing a boat safety course as a first time owner will demonstrate both a willingness and ability to
operate your boat safely and that can help to reduce rates.

Is there a difference between boat and yacht insurance?

A boat is usually classified as being 26 feet long or smaller, and a yacht is 27 feet and larger. As a longer
vessel, yachts often have larger navigational ranges, encounter a larger variety of hazards, so yacht insurance
tends to be more detailed and expensive than a smaller boat insurance policy.
Boat Insurance Considerations

Hull coverage protects the value of your boat or yacht. There are three primary types of coverage.

Replacement Cost
Under this policy type your totally destroyed 2008 model year boat will be replaced by the insurance company
with the same year and model boat in like condition or you will be given sufficient money to buy that same
year and model in like condition.

Agreed Value Contract
You are paid the boat insurance policy amount limit.

Actual Cash Value
The insurance carrier pays you the depreciated value of the boat.

If your boat sinks in a navigable waterway, you will be required to raise the boat and move it at your own cost
if you have not included this coverage in your boat insurance policy. This can be a large expense so you
should consider the options when setting up your boat insurance policy parameters.

It's also important to remember that your Florida boat insurance will be voided if you travel outside the
specific navigation area that your boat or yacht is insured for. This is normally a warranty / guarantee on
most boat insurance policies. Study your policy closely.
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Serving Pasco & Hernando Counties Since 1975
Florida Boat Insurance Policy Information
(352) 686-0612
(352) 519-4202 fax
11007-11009 Spring Hill Dr.
Spring Hill, Florida 34608
Hernando County FL
also Brooksville
(352) 796-0007

In Pasco County Florida
Hudson (727) 863-5641
also New Port Richey
(727) 862-3287 and
Holiday (727) 863-5642
Fax: (727) 233-1718