Ardent Insurance Group: A Passion for Insuring Your Tropical-Sea Lifestyle

Ardent Boat Insurance: Your Ship Could Be Sunk Without It

If you’re a responsible driver, you wouldn’t get behind the wheel without proper auto coverage. If you own a boat, hitting the water without adequate boat insurance is no less risky.

Owning a boat comes with unique risks and liabilities. As a responsible boat owner, you need to make sure you’ve got sufficient coverage to protect yourself, your family, your property and your investments.

Boat & Watercraft Insurance: Coverage for Your Fellow Floridians

Yacht Insurance

You have a responsibility to your water-faring neighbors, too. What would happen if you were found legally liable for an accident on the water involving damage to another’s person or property? Without adequate boat liability insurance, a cash judgement against you (along with associated legal fees) could easily force you into bankruptcy.

What Does Boat Insurance Cover?

A typical boat insurance policy covers the most common risks associated with physical damage to your boat:

• Sinking
• Fire
• Storms
• Theft
• Collision

Typical boat insurance also covers damage to a range of boat-related items and property. Such property includes the boat itself and motor, along with the trailer used to haul the craft to water. Equipment permanently affixed to the boat is also routinely covered, along with anchors, oars, trolling motors, extra fuel tanks, tools, removable canopies, seat cushions, life jackets and preservers, skis and tow ropes, dinghies, and more.

Many boat insurance policies also cover labor costs for repairing and/or replacing your boat and associated equipment. And most policies provide basic liability coverage. Liability isn’t required by Florida law, but you risk losing everything without some degree of liability protection.

Similar to the way other policy types work, boat insurance premiums will depend on the agreed-upon values of the policy and your chosen deductibles. These limits can be extremely important in the event of severe damage or of a total loss, so it’s important to choose carefully.

Does Florida Law Require Boat Insurance?

The short answer is “no.” However, state law isn’t the only consideration here. For example, if you purchase your boat on loan, your lending institution will probably require you to carry boat insurance. If you store your boat at a marina or boatyard, said facility might require you to maintain a certain level of boat insurance.

Why Comprehensive Boat Insurance from Ardent? It’s the Right Thing to Do

Finally, if you’re a responsible boat owner, carrying adequate boat insurance just makes sense. Protecting your passengers and your water-going neighbors with adequate boat insurance coverages is the right thing to do. Plus, a boat can represent a sizable investment. Even if you bought your boat with cash, could you afford to just throw that money away and buy a new boat if something happened?

Discounted Boat Insurance with Multiple Ardent Policies

If you purchase boat insurance through an Ardent Group carrier, you may qualify for discounted rates if you already have other policies with us. Whether you’re already an Ardent Insurance policyholder or not, ask us about multiple-policy discounts for bundling boat insurance with other policies.

For a Free Boat Insurance Quote, Call Ardent Insurance Agency

A comprehensive boat insurance policy from Ardent Insurance Group will help shield your assets against unexpected trouble on the waters. If you’re shopping for boat insurance in Naples, FL, we’d be thrilled to hear from you. As an independent insurance agency in Naples Florida, we partner with numerous insurance carriers, and can do the shopping around for you!

We’ll answer all your questions about boat insurance and help you make informed coverage decisions. For a free boat & watercraft insurance quote, call Ardent Insurance today at (866) 727-3368. For a free online boat insurance quote, just fill out the form on this page.

We can’t wait to get you sailing along with comprehensive coverage on Florida’s beautiful Gulf seas!