Next to your boat itself, your outboard motor is the most expensive and most important piece of boating equipment you own. It has to be protected, and given the relatively high risk of motor damage while out on the water - you need to do everything possible to reduce potential out of pocket motor repair costs.
Given that boat insurance is not legally required in the state of Florida, like car insurance is, it's not surprising that there are many uninsured vessels out on Florida waters. But the risk of injuring yourself, your passengers, or others and of incurring property damage to your own boat or someone else's boat is far too high. Boat insurance can be affordable and practical, minimizing the inherent risks associated with boating.
The cost of auto insurance will vary for a variety of reasons, among them being your age, driving skill level, and the raw number of years you've been on the road. When you are 18 and just got your Florida driver's license for the very first time, all of these factors tend to raise your car insurance rates.
In Florida, as in all other US states, vehicles that are used primarily for business purposes are usually required to carry commercial auto insurance. Ordinary car insurance simply won't be an option in many situations - nor would it be truly sufficient given the added risks that commercial vehicles take when navigating Florida's high-risk highways.
In Florida, hurricane season (June through November) creates considerable risk for wind and water damage to your home, especially if you live at or near the coast. Is regular homeowners insurance enough to cover you against these added risks?
When you look into the benefits of vision insurance and compare that to the value you place on having healthy eyes, then it's not a tough call to decide to invest in a vision policy. This is especially the case given how affordable most vision insurance is and the fact that many can get a policy as an employee benefit.
As we move into the warm season here in Central Florida, people are bound to be out and about in all their recreational vehicles for travel, golf, fishing, and fun. But don't get caught uninsured. An accident and resulting injuries, property damage, and lawsuits could cause an immediate and immense financial burden.
Determining that you have a need for life insurance is only the first step. Next, you need to select your insurer and the type of policy that works best for you. And at that point, there is still one major decision left to make - how much coverage you are going to get.
When you make the decision to own a boat in the state of Florida, you immediately gain access to a vast variety of recreational waterways that you formerly could not enjoy. It opens up new fishing vistas, makes camping twice as fun, and allows you to go on "pleasure cruises" in the abundance of local lakes, rivers, and coastal canals.
Anywhere you drive a car, there are risks of the road and it's both smart and the law to cover yourself with an auto insurance policy. But some states pose greater risks than others, overall, and may merit adding extra coverage.
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