Motorcycle & Boat Insurance
Since boat and motorcycle insurance are not mandatory in the state of Florida, most insurance carriers try to offer many discounts that are based on a variety of factors.

What does Florida 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 resulting 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.