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Southwest Florida (SWFL) Boat Insurance

At Rider Insurance Group, we offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluating your insurance coverage needs.

Tips to Choosing Southwest Florida Boat Insurance

Southwest Florida boat insurance protects several kinds of boats and personal watercrafts (PWC), which means boat insurance policies can differ based on what you have. Here are a few tips to help you find the right Southwest Florida boat or watercraft insurance:

Look beyond your Southwest Florida homeowners policy.

Your boat or personal watercraft may be too big or too expensive to be covered through a homeowners policy, which means you may need Southwest Florida Boat insurance to protect it. Even if your boat is eligible for watercraft insurance coverage under your homeowners policy, you still may want specialized coverages that you just can’t get with a standard homeowners policy.

Consider specialized Southwest Florida Boat insurance coverage.

Southwest Florida boat insurance coverages go beyond the scope of a standard homeowners policy to include Roadside Assistance, which covers towing of your boat or personal watercraft for free, as long as your trailer is covered; On-Water Towing, in case you’re stranded on the water; and Uninsured Boaters coverage. Without these Southwest Florida boat insurance coverages, you may end up getting stuck with a very large bill. Personal Effects and Fishing Equipment coverages are also available.

If you travel, make sure your Southwest Florida boat insurance coverages go with you.

Some insurance companies limit where you can go with your boat or watercraft and still be covered, or they charge you extra if you travel. If you plan to travel with your boat make sure that your Southwest Florida boat insurance is properly set up to cover your journey.

Think about replacement costs.

Boats and personal watercraft depreciate just like cars do. A homeowners policy will only pay you actual cash value for your boat or personal watercraft, which could make it difficult to replace if it’s destroyed. But with Southwest Florida boat insurance, you have this option and more. With Total Loss Replacement, your Southwest Florida boat insurance will replace your boat or personal watercraft with a brand new model if the loss is within the agreed time period.

If you are looking for a quote for Southwest Florida Boat Insurance, give us a call and we can help.

Located in Estero, Florida; a family owned and operated business, Rider Insurance Group was originally established in 1999. We do not work for a specific insurance company; we work for you. We represent a carefully selected group of financially sound, reputable insurance companies, and we place your policy with the company offering the best coverage at a competitive price.