Does my Florida Home Insurance policy cover my boat?

If you are a homeowner that boasts an active lifestyle then its more than likely you have a boat at your home. It is definitely a perfect way to unwind. We all know your home is covered by Florida home insurance. This simply means you are covered for most common risks. However, is your boat parked outside covered?

Let’s start off with asking, is your boat located inside your garage or separate from your home? If your boat is inside of your home, you will be able to have the same coverage you have for the rest of your home. Coverage A in your policy states that your coverage will pay to repair or rebuild your home when the damage is done is by a covered peril. This includes fire, vandalism, and certain water damages.

If you have a boat that is separate from your home, this is where coverage B of your Florida home insurance kicks in. According to this article, coverage B will specifically cover other structures that aren’t attached to your home. It’s important that view your coverage limits and adjust them accordingly.

Boats are covered by ACV. This means that your boat is covered for an amount that can change over time based on wear and tear. Remember to consider liability risks for your court as well. These can cost you. Always review your liability coverage regularly to ensure you are covered.

In order to cover your boat, you need to purchase home insurance in Florida. If you are looking for a better deal or for your very first policy keep reading below to find out how to start!

Compare Florida Home Insurance quotes

Quotes are the first step when it comes to finding the right policy for you. While searching for quotes online there are many comparison websites to choose from, all offering deals and discounts on premiums for buying through their site. Many of these sites work as affiliates, and through finding their client’s customers get compensation which they are then able to offer to you in the form of a discount. Also, it is far easier to compare different quotes all in one go ensuring that you have the best deal.

Buying FL home insurance is easy

Simply put, once you have found a quote you are happy with, you simply pay with your credit or debit card. Then you are covered from the moment you pay.  All your documents are sent to you via email thus minimizing any changes of loss or damage to the documents and you can do the entire deal sitting in your pajamas at home.

You don’t need to speak to anyone directly

Sometimes when buying protection, depending on the type of coverage we need, there may be awkward and embarrassing questions to answer. Along with the personal information that you will need to give to a complete stranger.

But online at everything is faceless. Although you will still need to give the same information, it is all handled digitally by an artificial intelligence. An intelligence that wouldn’t know you from Adam.

Online coverage saves you more money

Many insurance deals online work out to be far cheaper than dealing with a broker face to face.  Many companies prefer online customers as this cuts down on their overheads. As everything is automated, they are able to get through a lot more customers a lot quicker. Quicker than if they had them all queueing up to get into their offices.

These cuts in overheads can then be offered to you the customer as discounts on your policies. Thus enticing you to buy home insurance in FL online and keep their costs down.  It’s a win-win situation as it is cheaper and far quicker for both you and your provider. Even better you will be able to provide the right coverage for your boat.