Kayaking is a popular activity in Florida, where the waterways offer endless exploration opportunities. A fairly common question that we at Americas Insurance Associates hear from kayakers is whether they need boat insurance.
Insurance Requirements for Kayaks
In Florida, kayaks typically aren’t subject to any mandatory insurance requirements. However, there are several reasons why you might still consider insuring your kayak.
Protecting against theft or damage is important, as kayaks can be expensive. Liability coverage is also crucial if you accidentally injure someone or damage property while kayaking. Additionally, having insurance coverage brings peace of mind, especially if you’re paddling in areas with higher risks or traffic.
Understanding Your Homeowners Policy
Your current homeowners’ insurance may already provide some level of coverage for your kayak. It’s important to understand the extent of this coverage, as some homeowners insurance policies may offer limited coverage for kayaks under personal property protection. Others might have all of the protection you need.
Checking your homeowners’ policy is something that one of our insurance agents can help with.
Considering Boat Insurance
Should you need more protection than your homeowners can afford, boat insurance is available. Boat policies can provide substantial coverage for theft or damage and also come with potentially high liability limits.
If you get boat insurance, it’s easy to bundle this with a homeowners policy if they’re purchased from the same company.
Americas Insurance Associates Is Here To Help
For more information about boat insurance and how it can cover kayaks, contact us at Americas Insurance Associates. Our team can help you evaluate how best to insure your kayak, whether that’s through your homeowners’ policy or a separate boat insurance policy.
