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Boat & Watercraft Insurance
Real marine coverage, not a homeowners rider
Homeowners policies cap watercraft coverage at token amounts. A true boat policy covers the hull, motor, trailer, equipment, liability on the water, towing, and wreck removal - the things that actually go wrong.
Named storms and haul-out
In South Florida the storm terms are the policy. We check named-storm coverage, haul-out reimbursement, and lay-up requirements so your coverage matches what you would really do when a hurricane watch goes up.
Agreed value beats market value
Agreed-value coverage pays the number on the policy after a total loss - no depreciation argument. We quote it wherever it makes sense so there are no surprises at claim time.
What an independent broker does for you
As independent brokers we are not tied to one company. We shop multiple carriers, compare the quotes side by side, and place you with the one that fits your situation and budget. When the market moves, we re-shop it - you should never have to become an insurance expert to be treated like one.