Harry Grizzle Insurance: The Name for Better Boat Insurance

Boat Insurance Keeping Your Assets ‘Afloat’ on Stormy Seas


No responsible, civic-minded driver anywhere would consider getting behind the wheel of a car without proper auto insurance. If you’re a boat owner, taking to the water without adequate coverage is no less risky.

Owning a boat or watercraft is loads of fun—water and sun, memories, and fun—but boat ownership comes with serious responsibilities, serious risks, and liabilities. If you own a boat, you need to secure proper coverage to protect not only yourself, but also your family, your property, and investments, too.

You’ve also got an obligation to others sharing the water with you. Suppose you were in an accident out on the water for which you’re judged legally liable for damages and/or injury to others. What would happen if you didn’t have proper boat insurance? Financial ruin is a real possibility. Don’t let it happen!

Harry Grizzle Insurance: The Insurance Agency That Works for You

If you’re shopping around for car insurance and weighing all your choices, trying to make sense of all the possible coverages, Harry Grizzle Insurance is ready to help make sense of all those possibilities. As an independent insurance agency in Panama City, FL, we partner with numerous car insurance carriers and can do the shopping around for you! We offer a variety of car insurance coverages for Florida drivers of all ages and risk levels.

What Does Boat & Watercraft Insurance Cover?

Typically, boat insurance policies cover the most common perils related to physical damage to the boat:
• Sinking
• Fire
• Storms
• Theft
• Collision

Standard boat and watercraft policies also provide reimbursement for damage to numerous items related to boating. Such items include the boat itself, of course, and the motor too. Coverage also extends to the trailer deployed to tow the vessel to the water. The list of covered items also includes equipment permanently attached to the boat, along with anchors, oars, trolling motors, extra fuel tanks, tools, removable canopies, seat cushions, life jackets and preservers, skis and tow ropes, dinghies, and more.

Many watercraft insurance policies also cover labor costs for repairing and/or replacing the boat and any related equipment. Most standard boat insurance provides basic liability coverage, too. Florida law doesn’t require boat coverage, but to not carry some degree of coverage is not worth the risk.


How Much Does Boat & Watercraft Insurance Cost?

Premium costs for a boat and watercraft policy will depend on the agreed-upon values of the policy, chosen deductibles, insurability, and other factors. In this way, boat insurance is quite like other policy types.

Does Florida Require Boat Insurance?

Technically, no. However, Florida law isn’t the only factor to consider. If you purchase your boat on loan, for example, the creditor will likely stipulate that you maintain boat coverage. Many boat owners store their vessels at marinas or boatyards. Such facilities also routinely require owners to carry a certain degree of boat insurance.
Need another compelling reason to carry boat insurance? How about this: It just makes sense. Protecting your passengers and property and looking out for the well-being of your neighbors is, quite simply, the right thing to do. And what about the financial aspect of boat ownership? For many people, owning a boat can represent a sizable investment. If your boat were totaled in an accident, do you have the liquid assets to simply replace it without insurance monies?

Contact Harry Grizzle Insurance for a Free Quote on Boat Insurance

Harry Grizzle Insurance offers free, comparative quotes on a personal boat, and watercraft insurance from multiple insurance carriers, assuring you of the best possible rates. Want to see how much we can save you? For a free online boat insurance quote, call Harry Grizzle Insurance today at (850) 598-0450 or fill out our online quote form on this page!

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