COVERAGE / MARINE
Yacht policy or boater's policy?
The difference comes down to the size and value of the boat and what the owner actually needs covered.
THE LINE
Over 34 feet is generally written on a yacht policy. Under 34 feet is generally a boater's policy, covering motorboats, sailboats, personal watercraft and fishing boats.
YACHT COVERAGE
Hull, liability, personal property aboard, crew coverage, and additions like fine art and navigation equipment.
BOATER'S COVERAGE
Hull, motors, liability, medical payments, personal property aboard, and in some cases towing and emergency assistance.
COST
Yacht runs higher, on higher values and higher risk. Boater's is more affordable with narrower options.
REQUIREMENTS
Not legally required for all watercraft in Florida, but marinas, yacht clubs and lenders often require it, and a financed boat almost always does.
Crew coverage, higher hull values, and scheduled items like fine art and navigation electronics. It is built for vessels where a total loss is a serious number.
Not by the state for all watercraft. It is frequently required by marinas, yacht clubs and lenders, and it is recommended regardless because liability on the water is real.
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561-416-9370