Florida boat insurance
January 22, 2014
Absolutely everything you need to know about Florida boat insurance
Each and every single year, hundreds of thousands of boat owners need to make the decision on purchasing Florida boat insurance from a company like FloridaInsuranceQuotes.net for their ocean going or water going vessels – into terribly many of them do so as a sort of “go with the flow” kind of decision-making process.
The very last thing you’re going to want to do is spend a ridiculously short amount of time on this decision. After all, we’re talking about one of the biggest investments you’ve ever made here, and if you have cutthroat or cut rate Florida boat insurance and something happens to your boat you’re going to feel every single pinch from then on.
There are a tremendous amount of different Florida boat insurance plans out there, and you’re obviously going to need to make sure that you have invested in the one that suits your vessel, suits your lifestyle, and suits your budget – but there are a number of other things that you need to focus on as well.
Hopefully this quick guide gives you the kind of inside information you need to invest in the right boat insurance before you make a disastrous decision, the kind of boat insurance that can protect you from almost any issue that could arise.
Let’s dive right in!
Ask your boating buddies what they use for insurance – especially those that have had to place an insurance claim
One of the best (and frequently uncapped) resources for Florida boat insurance information would have to be the people that you see down on the docks a when you are about to toss off the bow line.
These boating buddies obviously have had to purchase Florida boat insurance for themselves in the past, and they will be able to point you in the right direction. It’s especially good if you can speak with boat owners that have had specific insurance for years and years (a decade or more is even better), but the best resources are going to be those that have had to place an insurance claim in the past.
Not only are you going to get an idea about the elite levels of protection offered to Florida boat owners from those people that have had to make an insurance claim, but you’re also going to know which companies stood by their client and provided them with the protection that they had been paying for – and which companies you should avoid like the plague.
This is the kind of “inside information” that you simply would not have had access to otherwise, the kind of information that is all but impossible to receive unless you are talking to real people, with real experiences, that are more than happy to help.
Don’t be afraid of asking your boating buddies about their Florida boat insurance and their boat insurance experiences. You may be shocked and surprised at the answers that you receive, but that’s much better than being shocked and surprised at other response from the boat insurance you paid for.
Customer service is absolutely critical when selecting a boat insurance company
Though you’ll obviously want to look closely at the boat insurance policy and the amount of money that you’ll need to spend to protect your investment, you also need to look closely at the caliber of people that the insurance company has hired.
Frequently, when you are just getting ready to sign on the dotted line – and before you have become a client – you will be exposed to the bright shining stars of a company, only to be shown the “less than stellar” support staff when you need to make an insurance claim.
This is just human nature, with companies wanting to put their best foot forward so that they are represented in the best possible light, but it certainly is (at least a little bit) deceptive as well.
Don’t be afraid of mystery shopping your Florida boat insurance company the for you sign on the dotted line, acting as though you had a claim to make just to dry run the support staff and see how they would treat you if you had issues down the line.
Sure, this is a little bit deceptive as well, but it may end up saving you thousands and thousands of dollars (hundreds of dollars, even) in the future – and it’s a little white lie that you should be more than comfortable moving forward with.
Reputation is absolutely everything
The other thing that you’re really going to want to focus on when you investing in Florida boat insurance is the reputation in the boating community for that insurance company.
Obviously, you’re going to need to wade through the more disparaging remarks about insurance in general – there aren’t too terribly many people that jump for joy when they get to make an insurance payment – but if you can stay on the level you are certain to talk to people that have glowing things to say about specific insurance companies.
Not only should you be paying attention to the great reputations that some companies hold in the Florida voting community, but you should be paying a special amount of attention to the insurance companies in this same community that don’t have the same kind of high marks, if you will. These are the companies that you should do absolutely everything in your power to avoid at all costs – less you get burned in a similar fashion.
Florida boating insurance can feel like a bit of a challenge to invest in, but it’s one of the smarter decisions you can make. Obviously, you’ll want to take just as much time as humanly possible to make the right decision – but don’t be afraid of pulling the trigger when you stumble upon that elite level surface or plan.
Paying close attention to the information above, going with your gut, and working through as much research and due diligence as possible is going to give you the very best chance of success moving forward.