Boat Insurance

Can I insure a boat with someone else's name on the title

You shouldn't have a problem doing that. Since the boat is still registered in your father-in-law's name, you might need to have him listed as an "additional interest" in the policy documentation.

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Boat Insurance

Is boat insurance legally required?

Boat Insurance is not mandatory in Florida but it's a good idea to have in order to protect you and your assets. In terms of recommendations, I would recommend the basic liability protection, which covers the damage you cause to other people or boats while boating.

Boat Insurance
Coverage & Claims
General Insurance

How will my insurance handle a claim where I backed my boat into another truck at the dock?

The simple is, yes, you will have to file 2 claims. The damage to your boat would have to be claimed on your boat insurance policy. The liability from the vehicle you were driving is actually what will pay out for the other party's damage, and not the boat insurance liability, since the boat was out of the water at the time of the accident.

Boat Insurance

Will my boat insurance policy cover a passenger falling overboard?

The answer will depend on the coverage you currently have on your policy. There are two instances where boat insurance would cover an injury to a passenger caused from falling overboard. If your policy includes medical coverage, your passenger's medical bills should be covered up to the limit on your policy.

Boat Insurance
General Insurance
Homeowners Insurance

Will my homeowners policy cover my boat?

While your homeowners policycan extend to boats, it only offers coverage if they are on your property and is normally limited to a dollar amount well below your boat's value. This also doesn't consider the liability that you encounter every time you use your boat.
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