Prestige Insurance Group Inc

12750 SW 128 ST Suite 210
Miami, FL 33186

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Prestige Insurance Group Inc Blog

What does boat insurance cover

Miami offers abundant opportunities to get out with your boat and enjoy the water. The weather is ideal, and the options are practically endless. Whether you want to enjoy saltwater on Biscayne Bay or the Atlantic Ocean or freshwater in one of Miami-Dade County’s 47 lakes, you have ample opportunity to use your boat. Whether motorized or sail, you will never be at a loss unless you don’t have boat insurance. At Prestige Insurance Group in Miami, FL, our team has over 10 years of experience meeting our customer’s needs.

Liability coverage

Of course, you hope that nothing bad will ever happen when you are out enjoying your boat, but if something does happen, it is important that you have enough liability insurance to protect your assets. If you cause an accident where someone is injured or dies, the resulting expenses could be very high. You would be responsible for medical expenses and any judgment against you. This insurance would also repair or replace someone else’s boat or dock that you damage. Having enough liability coverage is vital. 

Collision damage

If you have an accident and are at fault or hit something like a submerged rock, you need to take care of the repairs to your boat yourself. This can be very expensive, depending on the extent of the damage. Collision coverage comes with a deductible, and you decide when you choose your policy the deductible, you are comfortable with. 


Comprehensive coverage protects your boat from other types of damage. It covers things like strong winds, fire, hail, vandalism, and theft. Things over which you have no control. 


If you have special equipment in your boat, whether for fishing or navigation, this needs to be covered separately. 

Many hazards are lurking in the waters, and you need to be protected against them. At Prestige Insurance Group in Miami, FL, we will help you make sure you have the right coverage for your boat. Give us a call or stop by our office for a free quote. 

Partner Carriers

  • AmTurst
  • AmWins
  • Foremost
  • Hagerty
  • Infinity
  • National Flood Program
  • National general
  • Progressive