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Am I required to have insurance on my boat?

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  • Am I required to have insurance on my boat?

    I have a 16' Rinker fish/ski boat. Do I have to have insurance on it, or is it optional?
    1976 Glastron GT 150


  • #2
    Re: Am I required to have insurance on my boat?

    I don't know of any laws that require insurance, but I am very sure that common sense does.
    sigpic

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    • #3
      Re: Am I required to have insurance on my boat?

      It all depends on where your boat is registered. In Florida, currently you do not need proof of insurance to register a boat. If you are operating a boat that requires a registration you really should cough up the $150-200 a year to ensure you're covered if the worst happens. God forbid you get really hurt out on the water where your auto and or home owner's policy doesn't cover your medical expenses. Or worst, you hurt someone else through your own negligence and lose everything you own to a lawsuit. I'm of the belief if it moves you from point A to B in public... have it insured.
      sigpic

      We be boat peeps
      2008 GT-185 3.0l Penta

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      • #4
        Re: Am I required to have insurance on my boat?

        Not required, but at the VERY least you should have a personal liability policy.
        The boat won't be protected but YOU will be (from a lawsuit).
        "Winter Dream"
        Silverton 34C
        White/Green

        Wellcraft 23 Nova XL

        Lowe 1448 BigJon
        w/Evinrude 25HP

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        • #5
          Re: Am I required to have insurance on my boat?

          Get at least a liability policy for peace of mind if nothing else.
          sigpicMarada 2100 Executive Series, 5 Litre V8 with Mercruiser Alpha 1 outdrive. 2007 K-Z Spree 260 RBH, all = a whole lot of family fun !!!!

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          • #6
            Re: Am I required to have insurance on my boat?

            Originally posted by JB View Post
            I don't know of any laws that require insurance, but I am very sure that common sense does.
            As does a conscience, in my opinion of course. It's cheap people, get it!

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            • #7
              Re: Am I required to have insurance on my boat?

              With all due respect to OP and to the very knowledgable experienced people on this site, your question should be directed to your state, your broker, your lawyer or your common sense.
              sigpic

              -------------
              Brian
              Same Admiral since 1973
              2011 Chaparral 206SSI, 5.0L VP GXI SX, 270HP
              2013 Ford 150 Platinum Super Crew, Eco Boost
              2013 Infiniti G-37

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              • #8
                Re: Am I required to have insurance on my boat?

                Originally posted by BTMCB View Post
                With all due respect to OP and to the very knowledgable experienced people on this site, your question should be directed to your state, your broker, your lawyer or your common sense.
                LOL - if you ask your insurance broker (who is a salesman by trade) if you should buy more insurance from him, what in the world do you think he'll say? Besides, it's more fun to get opinions on a forum
                '76 Fiberform Custom 18
                Volvo AQ130D/280

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                • #9
                  Re: Am I required to have insurance on my boat?

                  Originally posted by cribber View Post
                  It all depends on where your boat is registered. In Florida, currently you do not need proof of insurance to register a boat. If you are operating a boat that requires a registration you really should cough up the $150-200 a year to ensure you're covered if the worst happens. God forbid you get really hurt out on the water where your auto and or home owner's policy doesn't cover your medical expenses. Or worst, you hurt someone else through your own negligence and lose everything you own to a lawsuit. I'm of the belief if it moves you from point A to B in public... have it insured.
                  X 2

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                  • #10
                    Re: Am I required to have insurance on my boat?

                    I know at least here in CA, If you finance a used boat from a private party the bank will ask you to get insurance, But they do not check on you to see if it's covered or not, But if you finance a new boat from a dealer then the boat can not leave the store till it is covered.
                    In the long run, Using OEM parts may just cost you less money!

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