Boat Insurance
Smooth sailing starts with the right coverage.
Physical damage, liability, passengers, towing and fuel spill liability for fishing boats, sailboats, personal watercraft and yachts.
Chapter 01
Hull and liability are two different questions
Physical damage covers the boat itself. Liability covers what you owe someone else after an incident on the water. They are priced separately and it is entirely possible to be well covered on one and thin on the other.
Boat owners tend to think in terms of the vessel's value, which addresses the first question and leaves the second one open.
A center-console fishing boat moored at a dock on a calm Sarasota bay at dawn
Passengers, towing and fuel spill
These are the three that go missing most often. Passenger coverage matters the moment anyone else is aboard. Towing and assistance is the difference between an inconvenience and an expensive afternoon.
Fuel spill liability is the one owners are least likely to have considered, and the one with the least forgiving arithmetic if it is needed.
Chapter 03
What we ask before quoting
Hull type and how she is used, because a fishing boat, a sailboat, a personal watercraft and a yacht are four different risks. Where she is kept, and what happens to her in a named storm.
Those answers change the structure of the policy, not just its price, which is why the conversation comes before the quote.
AutoLife places this line with A-rated carriers from the office at 3691 Webber Street, Sarasota. Call 941-210-4499.
Other lines we place
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.