The city of Boca Raton is situated between Fort Lauderdale and West Palm Beach on Florida’s Atlantic coastline. Consequently, there is a great deal of waterfront property and plenty of room for boating and other watersports. For many individuals, spending a day out on the water is a great way to relax and unwind. But unfortunately, and just like driving a vehicle, boats are not immune to accidents that occur unexpectedly. This is not something you want to be concerned with every time you go out on the water.
Coverage and Protection
For years, InsureAnyBoat.com has been providing boat owners with boat and yacht insurance coverage in Boca Raton at some of the most competitive rates in the industry. Whether you use your boat for business or pleasure, we can customize a policy that is tailored to your specific needs. In most cases, boat and yacht insurance protects against:
- damage to your boat, personal belongings, and the trailer (property damage)
- injuries to you and your passengers (medical payments)
- someone sustaining injuries while on your boat (liability coverage)
In addition to the coverage above, boat insurance Boca Raton policies will cover the following:
- boat trailer
- collision
- damage to another watercraft
- fire
- hull damage
- injuries to other persons
- sinking
- theft
- watersports liability
As your Boca Raton marine insurance provider, InsureAnyBoat.com covers a broad range of vessels including: commercial charters, cruisers, high performance powerboats, open fishing boats, sailboats, sport fishing boats, yachts and mega or super yachts. One way or the other, we’ve got you covered.
Two Important Considerations
Naturally, one of your first considerations when getting any Boca Raton boat or yacht insurance quotes is being clear about the type of coverage that you need. The rule of thumb is that Boca Raton boat insurance applies to vessels that are a maximum of 26’ feet in length, while Boca Raton yacht insurance applies to vessels that are 27 feet or longer. Once this is established, there are two crucial factors to consider:
- Agreed value versus market (actual cash) value settlements – The agreed value settlement is typically the more favorable of the two. It takes the agreed upon value of the watercraft into consideration and will reimburse you up to that amount. In other words, it factors in that value when the damage or loss occurred.
- Deductible amounts – You want to be very clear about the amount of deductible on your boat or yacht insurance policy. Deductible amounts will vary from one policy to another, but it will also vary depending on the type of accident that occurred.
At InsureAnyBoat.com, we are experts at determining the best coverage protection at the best value. Whether you own one vessel or a fleet, we are here to ensure that your investment will be protected around the clock.
Boat Insurance vs. Yacht Insurance
You’ve probably noticed that we offer boat insurance and yacht insurance coverage in Boca Raton, and you may be wondering what the difference is. They are similar in that policies for both include liability coverage, physical damage, and property damage. However, yacht insurance differs from that of boats in that it may include coverage for hurricanes, tropical storms, and other natural disasters. Due to their size, coverage also includes wreckage removal.
Based on its broader navigational range compared to that of boats, yacht insurance is usually more detailed and inclusive. Granted, boat insurance policies may contain other coverages such as additional property coverage, fuel spill coverage, and towing. But, these options are considered standard on most yacht insurance policies. Determining the best insurance coverage is going to depend on the type of vessel you own. There are more types to consider than boats and yachts (see “coverage and protection”). You might have questions or need more details about the insurance covers we offer.
For more information regarding marine insurance or Boca Raton boat and yacht insurance quotes, please call InsureAnyBoat.com at 1-800-585-1665 to speak with one of our knowledgeable representatives today.
