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How to Save Money on Boaters Insurance in Florida

Living in Florida, it is easy to take advantage of the many miles of clear water that surrounds our beautiful state.  If you are thinking of getting a boat to spend time on the ocean waves, or simply looking to save money on your existing boat insurance – we can help.

We know that insurance for your vessel offers peace of mind should your boat be damaged or stolen, and because of this, it is vitally important to you.  Finding the right insurance coverage for your boat is only part of the journey to keep your investment well protected.  Finding ways to keep the costs down can make all the difference too.

Having comprehensive boater’s insurance that protects your boat both on land and out on the ocean, will give you peace of mind you need to ensure that you can relax and enjoy your investment.

Here are our top industry secrets on how to save money on your boater’s insurance here in Florida.

  1. Increase your deductible

Much like your auto insurance, you can help to reduce the cost of your boater’s insurance by increasing the amount of deductible that you are willing to pay.  Speak to your insurance agent about the benefits of increasing the amount of risk you are willing to cover out of pocket and see if they can obtain a customized quotation for you that helps to reduce your outgoings.

  1. Show You Skills with A Boat Safety Course

Showing your insurance provider that you have an advanced knowledge of boating is a definite advantage.  They look favorably on boat owners who know what they are doing on the water, and a boat safety course will show that you are serious about staying safe out there. Being considered less of a risk will help to reduce the cost of your boater’s insurance from the outset. The U.S. Coast Guard or the U.S. Power Squadron offer safety courses for boaters that can turn you into a seafaring expert in no time.

  1. How Often You Use Your Boat and Where You Store It

If you only take to the water for a few months a year, you could reduce your costs by only looking for full coverage during that period.  If you sail all year round, you will, of course, want to make sure that it is always fully covered.  Also, keeping your boat somewhere secure when it is not in the water will help to keep costs down.  Whether you are tied to a secure mooring or the boat is towed away to your home or storage unit, can make a difference in how much you pay.

  1. Speak to A Specialist Boat Insurance Company

 While it may be tempting to just find the cheapest price online and go with it, speaking to a specialist boat insurance company will ensure that your boat is fully covered.  They will also be able to assist with any claims should the worst happen.  Choosing a specialist to handle all of your boat and watercraft requirements means that you will be able to obtain the best coverage you can afford for both you and your boat.

Boaters Insurance from The Sena Group

As a specialist provider of boater’s insurance in Florida, our friendly insurance agents are on hand to help find the best insurance coverage for you.  Speak to us today at 561-391-4661.

For more information about how The Sena Group can help you with any

of your insurance needs, please contact us at 561-391-4661.

We can be found on Social Media at the following links.


The Sena Group
6501 Congress Ave., Ste. 100
Boca Raton, FL 33487