University Insurance Group- A Wise Choice for your Boating insurance needs!

*Servicing Broward, Palm Beaches, St. Lucie, and all across the great state of Florida!

Why do you need insurance for your boat or personal watercraft?

Whether a personal watercraft, or boat, you will enjoy the water more when you have the protection you need for yourself, your passengers, and your investment. 

Why having the right protection is important:

• If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers suffer injuries in an accident, medical costs can be expensive.
• Suppose your watercraft is responsible for damage or injury to others. In that case, you could be liable for much more than you're worth.
• Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things to consider when purchasing coverage:

Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if your boat or personal watercraft is in an accident, damaged, or stolen?
• Is my boat or watercraft covered for use year-round?
• What discounts and programs are available?
• How much medical insurance and liability coverage is enough?
• Do I have coverage if I need to have my boat towed in an emergency?
• What's the process for filing and settling a claim?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. However, you may want to consider purchasing a personal watercraft policy to protect yourself and your watercraft in the event of an accident.

The personal watercraft policy covers include but is not limited to:

• Bodily Injury
• Property Damage
• Guest Passenger Liability
• Medical Payments
• Theft
• Trailer and Accessories coverage

Contact us today at 772-224-8533 to discuss the type of coverage that best suits your needs. We are here to help!