Boat Insurance Coverage in Florida: Inland vs. Ocean Waters
Navigating Boat Insurance: Florida’s Inland vs. Ocean Waters As the sun began to rise over the calm waters of Florida’s inland rivers, Captain Jenkins prepared his boat for a day of fishing. He had meticulously maintained his vessel, ensuring it was in top shape for any adventure that may lie ahead. However, what he hadn’t given much thought to was the type of boat insurance he needed for these inland waters. Florida, known for its abundant waterways, offers boat enthusiasts a variety of options when it comes to navigating its vast expanse. From the serene inland rivers to the mighty waves of the ocean, each body of water presents its own set of challenges and risks. Understanding the distinctions between boat insurance coverage for inland and ocean waters is crucial for boaters like Captain Jenkins. While both policies aim to protect your investment and ensure peace of mind, they differ in several key aspects. When it comes to inland waterways, boat insurance may offer coverage for collision, property damage, theft, and bodily injury liability. However, certain factors such as navigational limits and horsepower restrictions may apply. These policies are often tailored to the specific needs of boaters who frequent calm rivers and lakes, making them ideal for those seeking leisurely fishing or pleasure cruising. On the other hand
