Watercraft & Boat Insurance in Clermont, FL
Risks such as accidents, theft and severe weather can affect your boat when you least expect them. At Pro Line Insurance Agencies, we provide the right insurance to help you stay ready on the water.
What Coverage Options Are Available?
Our team offers a variety of coverage options, such as: 
- Liability coverage may cover costs if you’re responsible for third-party injuries or property damage while operating your boat.
- Physical damage coverage may pay for repairs and replacement if your boat, motor or trailer is damaged by covered events, such as storms, vandalism or collision.
- Uninsured/underinsured boater coverage may apply if you’re involved in an accident with an uninsured boater who’s at fault.
- Personal effects coverage may cover personal items on your boat, like fishing gear or electronics.
- Emergency assistance coverage can provide help for towing, fuel delivery or other on-water emergencies.
What Does This Policy Exclude?
Your standard policy, however, may have certain exclusions, including:
- Wear and tear from regular use or lack of maintenance
- Damage during organized racing events, unless specifically added
- Losses occurring while using your boat for unlawful purposes
- Damage from unauthorized changes to your boat
- Personal property not specifically listed in your policy
- Manufacturer defects due to faulty design or construction
- Intentional damage caused by deliberate actions
- Harm caused by aquatic animals or organisms
Does Florida Law Require This?
While boat insurance is not often required by state law, many marinas and lenders may require proof of coverage. Even if it’s not mandatory, having this policy can help you avoid costly out-of-pocket expenses.
How Pro Line Insurance Agencies Supports Local Boat Owners
Our agents take the time to explain your options, answer your questions and compare policies from insurers to help you secure the policy you need. Contact us today to get a personalized quote.