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Should You Have Boat Insurance?

By July 16, 2021September 30th, 2021Boat

Do I need boat insurance?

The answer is, “Absolutely!”. In many regards, boat insurance is much like homeowners and auto insurance. You will be covered if someone is injured on your boat. You also have the option of purchasing collision and comprehensive coverage, in addition to property damage and bodily injury. As with homeowners insurance, you can choose between the actual cash value or replacement cost if you have a total loss.

Boat policies often provide coverage for cleaning up fuel spills, water sports damage and salvage costs. There are also add-on coverages from which to choose:

  • Coverage for fishing equipment or carry-on personal property.
  • Roadside assistance and on-water towing.
  • Mechanical breakdown coverage.
  • Ice and freezing damage coverage.
  • Hurricane haul out coverage.
  • Trailer trip interruption.


Premium discounts might be available for having multiple policies through a single insurance provider. You could also save money by taking a boating safety course, confining your boating activities to a specific geographic area or maintaining a clean driving record with your car.

Call us if you have any questions about boat insurance

The insurance professionals at White Cloud Insurance are here to help protect you and your boat, no matter what size or type it is. We have an experienced Marine insurance team representing the most reputable insurance companies in the country and will work with you to find the best coverage. Use our convenient contact form, call us at 305-556-1488, or send us a message at At White Cloud Insurance, you are always our priority.