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Boating Season Has Returned! 

 

 

With warm weather most of the year, Florida is the #1 boating state in the U.S. Unfortunately, many boaters cancel their coverage once their loan is paid off.

 

Often boating enthusiasts think they don’t need any additional protection on the water, especially if they are experienced and have a safe track record on the water.

 

The truth is that boat insurance is just as important as car insurance, and you may be arguably more at risk on the water due to the number of uninsured boaters. No matter how experienced or cautious you are, you can’t protect yourself against careless or inexperienced boaters or the wrath of nature.

 

If you have a car accident that isn’t your fault, you would turn to the other driver’s insurance policy to provide coverage.  If there is any dispute regarding that coverage, you can always fall back on your own automobile insurance to cover damages.  Although everyone is required to carry car insurance, this is not the case on the water. Not having watercraft coverage could leave you with an inoperable boat and a large repair bill.

 

If your boat is damaged, you know right away that the most at risk is the cost of replacing the boat in the case of a total loss, or significantly less if it is only in a partial loss.  However, consider what happens if a guest slips and falls aboard the boat, is injured while fishing or water skiing, or collides with another boat and injures a passenger.  Without watercraft insurance, you would be responsible for medical bills and personal liability in amounts much greater than the boat’s value. This is reason enough to maintain at least a liability boat insurance policy.

 

There are a bounty of losses and accidents that can happen on the water. If you wouldn’t drive your car without having automobile insurance, then you shouldn’t navigate on the water without boat insurance.  The relatively low cost of this coverage is a small price to pay for peace of mind to protect your family’s interests.

 

Before you set sail this spring, check out our “Alphabet of Boating Tips” infographic for a quick refresher. To learn more about boating safety, visit these websites:  

Our Locations

Filichia Insurance Agency Inc.

1703 S. Washington Av.
Titusville, FL 32780
Main office: 321-926-4674
Toll free: 855-592-1190
Fax: 321-264-9770

Filichia Insurance Agency Inc - Orlando/Avalon

12301 Lake Underhill Road, Suite 213
Orlando, FL 32828
Main office: 407-745-4416
Toll free: 855-592-1190
Fax: 321-264-9770

Our Providers

Testimonials

Rita and I both wanted to say 'thanks' again for everything you did to make things work with our time crunch!! I do understand that our lack of proper planning does not constitute an emergency for you, and truly appreciate your dedication and assistance. I look forward to working with you in the future.
Kio A.
Just wanted to thank the agent Katherine at Filichia Insurance in Titusville Fl. A breath of fresh air. She was very helpful and courteous in guiding us to make decisions for our home owners policy.
Mr. P
Bob, I just want to thank you very much for the quick response you provided to my request. I just received a call from the school board stating they received the necessary paperwork to prove we had liability insurance. You certainly went above and beyond getting this request fulfilled in a timely manner.
Marlo M
...I have always been impressed with your company's high standards and employees' ability to save me the most money as possible with my policies. We highly recommend Katherine Rallo for your employee of the month.
Suze C
Surprisingly flexible and in-touch with my needs as a small business owner. Can't ask for more.
Spencer F.
They have strong ties with the community, and it shows. It's nice to do business with people that really show they care about you and your family.
Susan T.
Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we've never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.