Boat Insurance

We specialize in custom boat insurance policies that cater specifically to your nautical lifestyle and maritime needs. We understand that every boat owner is unique, and our mission is to provide coverage that ensures your peace of mind on the water.

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About Insurance

What Is Boat Insurance?

Many people see boat insurance as just another requirement—something they’re legally mandated to have but might never actually use. At MK FL Insurance, we see it differently. We believe boat insurance is not just a legal necessity but an essential part of your nautical safety and peace of mind. It’s about protecting not just your boat but also the freedom and adventures it enables.

In our unpredictable waters, even a minor incident can lead to significant expense. With MK FL Insurance’s comprehensive boat insurance, you can sail with confidence, knowing you’re protected against the unexpected. So a sudden storm or a docking mishap doesn’t turn into a major financial ordeal. Our policies are crafted with your specific needs in mind, ensuring that you feel secure and supported, no matter what challenges you encounter at sea.

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Home Insurance Coverages

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Hull Damage

Covers damage to your boat’s hull, machinery, and equipment due to accidents like collisions or sinking.

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Loss of Use

Offers reimbursement for rental costs or transportation if your boat is unusable after a covered incident.

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Salvage and Wreck Removal

Pays for expenses related to recovering and removing your boat if it’s wrecked or sunk.

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Personal Effects

Protects personal belongings onboard your boat, such as fishing gear and safety equipment, against theft or damage.

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Liability Protection

Provides coverage if someone is injured or their property is damaged due to your boating activities.

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Medical Payments

Covers medical expenses for you and your passengers if injured in a boating accident, regardless of fault.

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Equipment Coverage

Provides coverage for additional equipment and accessories not permanently attached to the boat, like motors and navigation gear.

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Environmental Liability

Protects against claims for environmental damage, such as fuel spills, that your boat may cause.

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Frequently Asked Questions

Insurance is a financial arrangement in which an individual or entity pays a premium to an insurance company

Boat insurance generally covers damage to your boat including the hull, machinery, and fittings, injuries to passengers, liability for damage or injuries caused by you to others, and theft of the boat or onboard equipment.

Boat insurance is not federally mandated; however, some states require proof of liability coverage, and many marinas require insurance to dock your boat.

Most types of watercraft can be insured, including fishing boats, pontoons, yachts, and sailboats. Coverage can vary depending on the boat type and usage.

The right coverage depends on factors such as the type of boat, its value, where it is used, and personal risk tolerance. An insurance agent can help tailor a policy to your specific needs.

Factors include the boat’s value, size, age, type, speed/power, and the coverage selected. Your boating experience, claims history, and the boating area also influence premiums.

Yes, most policies cover other people operating your boat, provided they have your permission and are not excluded on your policy.

Yes, insurers often offer discounts for safety courses, having multiple policies, installing safety equipment, and a claims-free history.

If your policy includes comprehensive coverage, it typically covers damage from storms, including wind, rain, and lightning, regardless of whether the boat is in the water or docked.

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Don't wait until it's too late—secure your coverage now and enjoy the peace of mind that comes with knowing you're protected.