“What kind of policy do I need if I live on my boat?”
I’ll assume that you are aware that there are homeowners policies and there are boat (or yacht, sailboat, or houseboat) insurance policies in Florida, and while there might be technical language relating the two in some ways, the coverage is totally different.
Houseboats are quite popular in a lot of regions in Florida, too, especially the Florida Keys, along some of Florida’s larger lakes like the ones in the Ocala National Forrest, as well as along the Suwannee and St. John’s River.
Technically, in the event that your vessel is your home, you wouldn’t be buying a Florida homeowner’s insurance policy. Instead, you would enlist the help of a licensed insurance broker who can search for a comprehensive policy that would protect you, your family, and your vessel, wholly.
It’s advisable, if you live on a houseboat in Florida, that you seek a Marine Insurance policy that offers a few different coverage points. You don’t have to choose them all if you feel they don’t apply to you and we can tailor your policy to meet your specific needs:
- Bodily Injury Liability Coverage
- Uninsured Boater Coverage
- Coverage for the Agreed Value of your Houseboat
- Coverage for your personal belongings that reside on your houseboat
- Medical Payments
- On-the-water towing and Emergency Assistance
- We can even include coverage for your Dinghy!