Typically, homeowner’s insurance may cover your boat if it is on a trailer and gets damaged at your property. Some policies do expand that out; however, for the most part, homeowner’s insurance does not cover your liability if you hurt somebody while operating your boat on the waterways here in Florida.
Unfortunately, boat insurance is not required in the state of Florida. You can own a boat and not have any liability insurance or property damage insurance for that boat. Typically, that applies if you own the boat outright.
If you owe money on the boat, or if it is docked at a marina, they do require insurance, but Florida law does not require you to have any sort of insurance on your boat to operate it here in Florida.
You must speak to an insurance broker and get the proper insurance to cover your boat. Even if you own a home and have homeowner’s insurance, you are most likely not covered if you injure someone as a result of a boating accident, and that would leave you personally liable.
I hope this was helpful. If you have any further questions, feel free to give us a call.