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Florida Watercraft Insurance


Things to Consider

When the days are clear, the weather is warm and you own a boat we know the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends. Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. IOA Tampa Bay makes sure you enjoy your time on the water without having to worry about what could go wrong. Our agency specializes in placing insurance policies on boats, jet skis and other personal watercraft, so you can be certain we will provide you with the best protection available. We understand the differences between power boaters, sailors, and smaller personal watercraft, and we can tailor an insurance policy to your unique needs.

Our watercraft insurance plans provide coverage against many different types of loss:

  • Medical Payments Coverage- We offer medical coverage that covers eligible medical expenses if you get hurt on the water.
  • Physical Damage Coverage- This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents help you determine the right amount of physical damage coverage for each boat and other personal watercraft on your policy. You also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.
  • Liability Coverage- If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. If you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little–it’s up to you. We’ll show you what coverage and limits are available and how to get the maximum personalized protection you need.

Whether you’re a lifelong boater or just getting started, it’s always a good idea to take a close look at your new or existing watercraft. We can help. Simply fill out our quick and simple online form or call us today to learn how IOA Tampa Bay can ensure your bases are covered with a watercraft insurance policy.

You’ve worked hard to get where you are and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free boat insurance quote? It’s easy with IOA Tampa Bay. Happy boating!

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