GreatFlorida Insurance Homeowners Auto Agency

Easy, low-cost, and worry free. GreatFlorida Boat Insurance.

Show me       insurance.
My Zip code is
Now loading ...
Boat Insurance Mobile Quotes

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.

Get a Quote Online
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
9/14/2018

Florida offers unique opportunities for fishing in the fall. Cooling water temperatures can result in great bites this fall.

“In the middle of hurricane season, always make sure to keep track of the weather before you head out,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

As reported this week, a few storms are churning in the tropics. While none look like they are headed toward Florida, anglers need to be aware of dangerous rip currents and high seas as well as possible thunderstorms according to meteorologist at clickorlando.com.

Before you cast your line, you’ll need a fishing license, whether in local waters inland or off shore. There are exceptions for those fishing off a local pier or on a charter boat where a blanket license has you covered. To find out more about Florida fishing licenses, click the links below.

Saltwater license

Freshwater license

Popular catches in the fall in freshwater include bass, crappie and catfish.

In saltwater you can hook, red snapper, grouper, king mackerel, red fish, trout and snook. However, Florida Fish and Wildlife Conservation Commission (FWC) has temporarily made snook and redfish catch-and-release only from the northernmost point of Anna Maria Island in Manatee County to Gordon Pass in Collier County. This was done through and Executive Order in response to the impact from red tide bloom in southwest Florida. This order is an effect until the next FWC meeting September 26-27.

However, you do not always need a boat to make a good catch. During the fall mullet run, anglers without a boat have the opportunity to catch big game fish.

“When the weather cools down and the visitors clear out, that is when the water really heats up,” says Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

GreatFlorida Insurance can make sure you are fully prepared before you head out to trawl with premium boat insurance at affordable prices. Contact a GreatFlorida Insurance agent to make sure you have proper boat insurance and adequate coverage for all your fishing equipment.

The post What you need to know about fall fishing appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/6/2018

Animal related insurance claims

 Florida is known for its abundant wildlife population. Green space surrounds many of our highways, increasing the chances of an animal-auto collision.

“When driving at night, it is almost impossible to avoid a collision once an animal steps or jumps onto the roadway,” observes Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency.

The U.S. Department of Transportation claims an estimated one to two million collisions between a car and large animal occur every year.

A recent study from the National Insurance Crime Bureau (NICB), analyzes the number of animal-related insurance losses for the years 2014-2017.  All animal-related claims went up 6 percent over the four-year period.

The most common animals involved in auto collisions include: deer, racoon, dog, turkey, coyote with deer being the most frequent victim. Additional animals often struck by cars in Florida include the alligator, Florida panther, black bear and birds.

“If animal related accidents are a concern for you or you frequently travel near wooded areas, you might want to check out comprehensive coverage through your car insurance policy,” recommends Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Consider these wildlife-auto collision statistics from the Department of Motor Vehicles (DMV).

A collision with some form of wildlife occurs on average every 39 minutes.

The average repair cost of a car-deer collision is $2,8000.

Approximately 200 motorists die every year in car-wildlife collisions.

1 out of every 17 car collisions involve wandering wildlife.

89% of all wildlife collisions occur on roads with 2 lanes.

84% of all wildlife collisions occur in good weather on dry roads.

If you unexpectedly come upon an animal in the road while driving, experts advise not swerving. Consequences could be more severe if you hit an oncoming vehicle. It is recommended to hit your brakes, honk the horn and duck low behind the dashboard.

The post To Swerve or Not to Swerve appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/23/2018

Good relationships between neighbors strengthen the community you live in, however conflict between neighbors can lead to serious tension, lawsuits and even violence. “Discerning between an annoyance and a true nuisance will help you decide what course of action to take,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Below are a few of the most common neighbor complaints and how to handle them graciously.

Noisy neighbors

Firing up the lawn mower at 7 am on a Saturday, a barking dog, loud music or parties can violate your peace.  Whether you live in an apartment, condo or home with a yard, noisy neighbors are unsettling. Addressing your neighbor about noise is best handled with diplomacy while keeping your cool. Dealing with the issue before it threatens your civility is recommended. If the noise continues to persist after making a request to your neighbor, check to see if your community has laws prohibiting unreasonable noise, a noise ordinance or designated quiet times. You can also contact your landlord, or neighborhood association.

“If it comes to it, reach out to law enforcement who are trained to handle enforcing noise ordinances,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Overhanging trees

Trees contribute to the beauty of nature and provide wonderful shade; however, they are also the source of hostility between neighbors. Here is the lowdown on how to handle potential tree issues. You can cut back overhanging branches but avoid pruning a tree if it will cause damage to it. Most communities have laws against excessive pruning. It is a good idea to alert your neighbor before pruning. If a tree trunk straddles property lines, you and your neighbor both own the tree, so it is best to get your neighbors permission to prune.

Consumer Reports informs, if there is a hazardous tree belonging to you or your neighbor, the local government will often step in and handle the situation or force the owner of the tree to act. You can locate the appropriate agency by contacting city hall or the county courthouse. When it comes to leaves, fruit and debris, if a tree is jointly owned, you and your neighbor share the maintenance as well as the rewards. If the tree is not commonly owned, each of you deal with the debris on your own property.

According to legal support website, LegalZoom, “If the roots are pushing onto your property, they are considered an encroachment in the same manner as fences and other physical belongings.” They go on to explain, if the roots cross your property line, the tree owner is responsible for the removal.

Property Lines

If you feel as if your neighbor is encroaching upon your space, you will find yourself in a boundary line dispute. A little research is required. Check your deed or settlement papers indicating your property lines. If you cannot locate them, try finding your plat online.  Assume, it was a mistake and show your neighbor your findings. It might be necessary for you to both have the property surveyed. Mediation is the next suggestion. If a situation gets out of hand, call the police and report trespassing.

The post Won’t You Be My Neighbor? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/16/2018

Before you dig into your favorite and nourishing breakfast consider, it could contain weed killer. A recent report found dangerous amounts of the herbicide, glyphosate, the active ingredient in weed killer Roundup in several oat-based breakfast foods.

“These findings are disturbing and require our attention without causing mayhem in your pantry,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

Environmental advocacy organization, The Environmental Working Group (EWG), conducted a study of oat cereals, oatmeal, granola and snack bars. Glyphosate was found in all, but five of the 29 regular and organic products tested.

The World Health Organization (WHO) and California scientists, believe glyphosate is a carcinogen. Last week, a California jury awarded a groundskeeper $289 million in damages. He claims long-term exposure to large amounts of Monsanto’s Roundup is responsible for his terminal cancer. Monsanto, the maker of Roundup, strongly disputes the finding that glyphosate is a carcinogen.

Also, the Environmental Protection Agency (EPA) recognizes glyphosate as one of the most widely used agricultural pesticides in  the U. S. and claims it is, “not likely to be carcinogenic to humans.” The EPA says there is no risk to human health when used accordingly. According to EWG, more than 250 million pounds of glyphosate is sprayed on American crops annually.

“In cases like this, where different experts have opposing conclusions, you must make decisions based on your beliefs,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

Below are the results of the study.

Potentially dangerous to children

Back to Nature Classic Granola

Barbara’s Multigrain Spoonfuls, Original, Cereal

Bob’s Red Mill Steel Cut Oats

Cheerios Toasted Whole Grain Oat Cereal

Giant Instant Oatmeal Original Flavor

Great Value Original Instant Oatmeal

Kellogg’s Cracklin’ Oat Bran Cereal

Lucky Charms (without the marshmallows)

Market Pantry Instant Oatmeal, Strawberries & Cream

Nature Valley Crunchy Granola Bars, Oats ‘n Honey

Nature Valley Granola Protein Oats ‘n Honey

Quaker Dinosaur Eggs, Brown Sugar, Instant Oatmeal

Quaker Old Fashioned Oats

Quaker Simply Granola Oats, Honey, Raisin and Almonds

Quaker Steel Cut Oats

Umpqua Oats, Maple Pecan

Contains safe amounts of glyphosate

Back to Nature Banana Walnut Granola Clusters

Bob’s Red Mill Organic Old Fashioned Rolled Oats

Kellogg’s Nutrigrain Soft Baked Breakfast Bars, Strawberry

KIND Oats & Honey with Toasted Coconut

KIND Vanilla, Blueberry Clusters with Flax Seeds

Nature’s Path Organic Old Fashioned Organic Oats

Quaker Chewy Chocolate Chip granola bar

Whole Foods Bulk Bin conventional rolled oats

Contained no glyphosate in any tests

365 Organic Old-Fashioned Rolled Oats

Cascadian Farm Organic Harvest Berry, granola bar

Kashi Heart to Heart Organic Honey Toasted Cereal

Nature’s Path Organic Honey Almond Granola

Simple Truth Organic Instant Oatmeal, Original

The post Weed killer found in popular breakfast foods appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/9/2018

“Being on the water, provides a sense of calm and clarity,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

In his book, Blue Mind, Dr. Wallace J. Nichols, marine biologist, explains that being on, in or near the water improves creativity, emotional health and relaxation. It can also heal the mind and body.

In the book, he describes the state of a “red mind” and its antidote, a “blue mind.” A red mind is characterized by stress, anxiety and fear, whereas a blue mind is described as calm, peaceful and happy. A blue mind can be achieved by being in, near, on, under or around water. Such as being on a boat. He describes to Discover Boating, that a blue mind, gives our minds a break, it helps us to disconnect from tech and connect with our thoughts and insights as well as with other people.

Research shows walking on the beach, hanging out at the lake or even taking a dip in the pool can calm you down while sparking creativity. He shares with Huffington Post some additional benefits to being around water.

Water gives our brains a rest.

Water can induce a meditative state.

Water can inspire us to be more compassionate and connected.

Exercise by or in water is good for our brains and our bodies.

“These findings explain why we feel so much joy when boating,” observes Buck with GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Boat rental website, Carefree Boat Club, explains that boating allows you to create bonding experiences and enjoy memories with family and friends. They report, according to studies, boaters respond to stress or stressful situations in a manner better than non-boaters.

So, the next time you are debating that fishing trip or all-day outing at the beach, remember, it can benefit your health, body and mind.

The post Can Boating Help Us Be Our Better Selves? appeared first on The GreatFlorida Insurance Blog.