Boat Insurance FAQs

At Kingdom Tree Insurance Group in Tallahassee, FL, we answer all kinds of questions from brand-new and longtime boat owners alike. While every boat insurance policy is different, there are some general, frequently asked questions that our office receives regularly. Specific questions are best directed to our team of professionals.

What Is Boat Insurance?

If you’ve never heard of boat insurance, you may wonder what it is and what it covers. As the name indicates, boat insurance covers boats and protects them against various issues that boat owners commonly face. Another popular name for boat insurance is "watercraft insurance." The only real difference between watercraft insurance and boat insurance is what it’s called. Everything else about these insurance policies is virtually identical.

What Does Boat Insurance Cover?

Although individual policies may differ, boat insurance generally covers liability, qualifying damages, and replacement in the event of theft. Boat insurance policies may cover other aspects of boat ownership. It’s best to review your policy or consult with an agent for specifics.

Does Boat Insurance Only Cover Boats?

Boat insurance covers so much more than boats. Even though some watercraft may be more appropriate to cover through recreational insurance or other policies, boat insurance generally covers a range of types of boats and watercraft. The list of vehicles that may be covered by boat insurance includes jet skis and yachts. If you own a watercraft, you can always ask our team whether it might be eligible for coverage under our boat insurance policies. Even if your particular watercraft isn’t eligible for boat insurance coverage, another type of policy may protect it.

To learn how to cover your boat and other watercraft, call Kingdom Tree Insurance Group in Tallahassee, FL, today!