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• Bodily Injury Liability: Florida law require boatowner's to carry a minimum amount of liability in case of third party injuries, however insurance experts recommend purchasing as much as three times the minimum in these times of expensive litigation. The liability package also offers Guest Passenger Liability, coverage that offers injury protection to anyone who might climb onto your vessel.

• Collision. This coverage reimburses you for damage to your vessel in case of an accident - minus the deductible. Coverage extends only to the factory parts of your vessel. If you get fancy & add anything extra accessories - additional coverage will be required for compensation.

• Comprehensive. This reimburses you, less the deductible, for circumstances other than accident, like vandalism, fire or theft.

• Uninsured Boats. If the person who hit your vessel is uninsured, this coverage pays the medical bills and any lost wages you incur while out of action.

• Underinsured Boats. This coverage reimburses you if the person who hit you doesn't have enough insurance to cover all your damages.

Insurance premiums are determined by factors such as your age, driving record, what kind of vessel you own and where you keep it. Unless you're high risk, there are ways to keep your costs down so you won't have to pay exorbitant rates. Insurers look kindly on clean driving records, good credit record and no accidents.

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