Village Insurance News

Things To Know About Florida Boat Insurance

Homeowners insurance in Florida won’t or might not provide enough coverage for your boat. If it’s motorized, you won’t get any coverage at all. Florida auto insurance won’t cover your boat either, since it’s a watercraft and not a land-bound vehicle. That leaves you with the option of getting a specialized insurance policy to cover the needs of your boat. 

The needs of your boat in Florida

Going for the specialized option is actually the right option. Your boat is a recreational investment that needs more than the standard limited amount of coverage provided by other insurance policies. Boats, like other vehicles, need insurance policies tailored in FL to fit their purposes as a vehicle. 

Though, many industry experts like this imply a tricky aspect of Florida boat insurance during the winter months. To start, buying boat insurance can differ between boats. While insuring one type of boat can feel like purchasing auto insurance, insuring a more expensive boat can mimic the process of insuring a home. Don’t get deterred by the vast differences in insurance enrollment, as it is not going to exclusively apply to your boat. 

Buying boat insurance in Florida for your boat is not going to be the same as another boater buying their policy. That’s why you need to focus on your own needs for your boat when you’re getting a boat insurance policy. 

Florida Boat insurance?

Many Florida homeowners insurance policies provide a small amount of insurance coverage for boats, usually small boats with a small engine or no engine at all. Larger and more expensive boats naturally need a separate insurance policy to cover the entire boat.

You can potentially save money by bundling your FL boat insurance policy with any other insurance policies. This works best if you’re buying insurance from a single provider who happens to offer, let’s say, homeowners insurance, auto insurance and boat insurance in a personalized bundle for you. 

Boat insurance in Florida provides coverage options like its homeowners and auto insurance counterparts. It protects you against liabilities incurred from third parties, typically offering you the option of completely replacing the watercraft or a comparable cash value settlement if completely lost. 

In addition, this insurance policy also provides coverage in the case of someone getting injured while aboard or near your boat, your boat inflicting property damage or if your boat suffers any damages or losses.  Comprehensive coverage, too, provides coverage against natural disasters, fires, theft, vandalism and other unexpected occurrences that can happen to you, your possessions and your boat. 

Some Florida boat insurance policies according to, can actually be suspended for specific periods when your boat isn’t in use or in storage. So, if you’re not traveling on the water in winter, that might be a good time to suspend your coverage!

How to save money on car insurance in Florida

Most people are trying to pinch every single penny they can today, and for good reason. Money is still tight all throughout the United States, and though we keep hearing that things are going to get better and they haven’t shown us any light at the end of the tunnel quite yet.

Luckily, when it comes to working with the very best car insurance quotes Florida has to offer, it’s not all that difficult to find the right package of coverage that works for you and your budget. By using the tips and tricks from, you are going to be able to save an amazing amount of money every single year that you have your vehicle insured, all without any headache or hassle whatsoever!

Interested in learning some more? Let’s jump right in!

Comparison shop for the best car insurance quotes Florida has to offer

First of all, you are going to want to make sure that you are comparison-shopping all of the different car insurance quotes you can get out of the best car insurance quotes Florida has to offer.

Almost all of the big national car insurance companies are represented in the state of Florida, but there are also a lot of different smaller insurance companies that are Florida services in Florida services alone worth your attention.

Make sure that you are trying to compare prices against all of the different insurance companies out there, making sure also that the comparison takes into account the level of coverage you’ll get at each and every price point.

This is a great way to save a lot of money right off the bat.

Bundle your Florida car insurance if possible

Secondly, you should try to bundle your car insurance with other insurance products if at all possible. A lot of the different car insurance companies Florida has to offer will allow you to get lower rates if you bundle different insurance packages with that particular service, including homeowners insurance, boat insurance, motorcycle insurance, and a number of other options.

You’ll save a lot of money in the long run, and might even be able to decrease your payments across the board on all of your different insurances.

Inexpensive vehicles to ensure with car insurance in Florida

Finally, you might even want to consider purchasing a vehicle that will be relatively inexpensive to ensure with all of the different car insurance in Florida from this website. Obviously, if you have your heart set on a specific make or model this might not be completely applicable, but if you’re just looking for something to get you from one point to another you may want to purchase a used car that isn’t going to require a lot of extra insurance.

At the end of the day, there are a lot of different options that you can take advantage of when looking to reduce the amount of money you spend on car insurance. Hopefully this quick guide gives you all of the “extra information” you need moving forward.

Florida homeowners insurance quotes, what information is needed?

We all need proper Florida homeowners insurance coverage. Your home is considered to be the biggest purchase of your life. Therefore you would be crazy not to protect it! Presently today, many people rely on quotes to determine rates and what coverage is best for them. If you are looking for affordable homeowners insurance quotes in FL, you just need to visit an online website, but what info will they require?

Read below to find out what information you will need to know when it comes to collecting quotes here. It is important to know what information you will need in order to quickly receive the Florida home insurance quote you want.

Your Information

First things first, you will need to provide your information to the company of your choice. This is vital information for companies. Below is the information that you will need to provide about yourself:

  • Your name
  • Birthdate
  • Your address
  • When your start date is for coverage
  • An email address
  • How many people that live in your house full time
  •  How often is your home lived in? Is it a summer home only? Lived in full time?
  • Are any businesses conducted in your home?

Information on your Home

After providing with your information, you will need to provide information regarding your home. It is important to make sure this information is as accurate as possible. The more accurate your answer, the more reliable your quote will be. For this step be prepared to provide the answers to these questions:

  • How much coverage do you need for your Florida home?
  • Details on your home such as year built, how many stories, square footage
  • What safety features does your home have? For example, does your home have deadbolt locks, an in-home fire extinguisher, and a smoke alarm?
  • What is your insurance history? Have you filed any claims recently?
  • What about fire protection? If your home is considered to be outside of the city limits, fire protection will vary.

Now that you know the information needed, you are ready to collect Florida homeowners insurance quotes online at By having your information on hand expect a faster process. When it comes to collecting the FL home quotes you need, it is recommended that you collect more than 3 quotes. That way you will successfully be able to see all the deals that the web provides you.