Most Common Marine Insurance Florida Claims

March 24, 2022

If you’re buying a boat, you should also be considering purchasing marine insurance. While coverage is not required in Florida, it can still be a great decision to purchase it. Many of the top marine insurance Florida claims are things that can be somewhat out of your control. When braving an environment as unpredictable and powerful as the ocean, being prepared for the worst is key. If you are wanting to purchase a marine insurance plan, there are a few things that you should make sure are covered in the policy.

Underwater Collisions

Underwater collisions often result in a loss of expensive equipment and as a result, is definitely something that you want to be covered. If your boat has an outboard motor, you’ll be looking at a claim that can stretch from $900 for a small engine all the way to $25,000 for a 350 horsepower motor. That isn’t even mentioning the cost that you can face if your boat’s hull sustains damage from the impact. From large pieces of driftwood to lost shipping containers, the ocean can be hiding all kinds of dangerous objects that pose a serious risk to your well-being and property.


One of the biggest reasons you should be getting marine insurance is to protect against weather. Obviously, hurricanes have the potential to destroy your boat. In 2021 alone the panhandle and several surrounding states saw $2,000,000,000 in damages. Keeping your boat protected from those heavy winds and rough waters is important, especially in states where hurricanes are an annual event. Finding a marine insurance Florida policy that adequately covers storm damage is vital.

Hurricanes are not the only concern, though. Any severe weather, including lightning, can be dangerous to your boat and can result in large claims. Fried electrical systems, lightning ‘exit wounds’, and damage from hitting the dock during regular rainstorms can all be covered under the right boaters insurance Tampa FL.


The risk of theft is twofold in terms of boats and you should consider both when choosing your marine insurance. Florida sees the most boat thefts out of any other state by a wide margin. Theft of the boat as a whole is obviously a major concern and can result in the largest payout possible for a given plan. Even if a boat is able to be tracked down and recovered, odds are it will have sustained substantial damage from the thief.

The other aspect that you have to consider is that your equipment can be stolen from off of your boat if you dock at a marina or a boat ramp instead of pulling your boat back to your home. If you are choosing to leave your expensive equipment on your boat, it is best to have a marine insurance Tampa plan that covers this sort of theft.

Marine Insurance Florida | HH Insurance

Boats can be fantastic vehicles for family fun or just for personal use and enjoyment, but they are expensive and can be hard to repair or replace if something goes wrong. Finding a marine insurance Florida plan that aptly covers all areas of concern is essential. Unfortunately, finding the perfect plan for you can be a challenging task. Luckily, HH Insurance is here to help you through it all. To find a plan that fits your needs click over to our website today!


**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.