Watercraft & Boat Insurance in St Petersburg, FL
Owning a boat in Florida can mean exposure to hurricanes, accidents and costly repairs. Zirkle Insurance and Financial Services offers boat and watercraft insurance options matched to your needs and budget. 
What Is Covered by Watercraft and Boat Insurance?
Standard policies typically include the following:
- Liability coverage may help cover injuries or property damage you cause to others while operating your vessel.
- Physical damage coverage may cover your boat or watercraft against damage from accidents, storms, theft or vandalism.
- Uninsured/underinsured boater coverage may apply if you’re in an accident with an at-fault boater who lacks adequate insurance.
- Personal effects and equipment coverage may cover fishing gear, electronics and other personal items on board.
How Much Does It Cost?
Premiums can vary based on the type and size of your vessel, how and where you use it, your claims history and the coverage limits you choose. Bundling your watercraft policy with homeowners or auto coverage may lower your overall premium.
Is This Policy Required?
While most states may not require watercraft insurance by law, some marinas and lenders may require it as a condition of docking or financing. Even when it’s not required, going without coverage can leave you personally responsible for any damage or injuries you cause.
What Does It Exclude?
Policies typically exclude normal wear and tear, manufacturer defects and damage caused by racing. Coverage for personal belongings on board, mechanical breakdown or commercial use may not be included unless you add it, so review your policy for specifics.
Get Insured Today
We assess your needs to help you find the right policy. Contact Zirkle Insurance and Financial Services to get a free custom quote.