3 Things That Could Stop You from Qualifying For Florida Boat Insurance

Florida has always been home to those who love the water. From fisherman to swimmers to marine wildlife enthusiasts, these vast waters and sandy beaches have ensnared them all. But, perhaps none are more drawn to the waters of Florida than the boater. However, when buying a boat for the first time, figuring out how to get sea-worthy (in a legal sense) can be stressful. Especially if you are denied Florida boat insurance. 

Boat insurance, like auto insurance, acts to protect your vehicle (in this case the boat) from unexpected and crippling damage. In truth, the only difference between boat insurance and basic auto insurance is that, due to the more expensive nature of boating, the coverage is likely to be a fair amount higher. This insurance is intended to cover more significant damages as opposed to scratches and dented fenders. Boat insurance is required by law in nearly every state according to https://floridainsurancequotes.net/boat-insurance/getting-behind-boat-insurance/

So what can cause a Florida boat insurance application to be denied? Here are five common reasons that can cause your insurance application to bounce back.

No. 1: The Condition of your Boat

The condition of the vessel itself is one of the most common reasons for a Florida boat insurance policy to be denied. If your boat is considered to be dangerous or is in a reduced state it could prove to be nearly impossible to insure. The best way to prevent this is to simply perform any and all required maintenance and repairs. Just by ensuring your boat is in the best possible condition could go a long way in getting it approved for insurance.

No. 2: Past driving and boating violations 

Countless boaters are startled to find out that boating violations are no less important and severe as any other vehicular violations. Irresponsible performance while boating could result in tickets than could possibly make it tough to qualify for boat insurance. The most severe of these violations being a BUI (being arrested or ticketed for boating under the influence of alcohol or other impairing effects). 

Even more, tickets and violations in other motor vehicles could also lessen your chances at receiving boat insurance. Risky behavior on the road could make insurance company fear you are a risk on the water as well. Keeping a clean driving record could certainly help you get approved for boat insurance.

No. 3: Type of Boat

The size and type of boat you are trying to insure will also be factored in when an insurance agent reviews your application. Is the boat type generally safe or does it have dangerous tendencies. Most large insurance companies will enforce size regulations on which vessels they will insure and which they will not. However, some insurance companies have specialized in insuring larger boats and yachts.

Another type of boat that may prove difficult to insure are high performance speed boats. The boats are more likely to encourage unsafe behavior and thus will be more likely to be denied insurance or be placed at a higher premium.

Where to get a Florida Boat insurance Quote?

If you’ve just got a boat and looking for coverage then it can be a bit daunting to find the best rates on boat insurance in Florida. We reccomend vising a site that can give you multiple quotes from different carriers like https://floridainsurancequotes.net/boat-insurance-quote/. Not only will this save you time, but you can rest easy knowing you found the best deal online. No need to contact a dozen companies because they are Florida insurance specialist and have done all the legwork for you. So hop on over and get a quote today.

Auto insurance for the 3 top South Florida locations.

Auto insurance is required of all drivers in the State of Florida. All Florida drivers must carry $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability Insurance (PDL). Additionally, some drivers, such as those with a previous history of auto accidents or traffic violations, may be required to carry Bodily Injury/Liability Insurance. If you’re currently uninsured, or just looking for great, competitive Florida insurance quotes, have a look at https://floridainsurancequotes.net/auto-insurance/discount-auto-insurance-florida/ where you’ll find information and resources to help you get just the right discount Florida insurance quote for you. 

Three South Florida Vacation Destinations

Florida. This sub-tropical wonderland is a treasure trove of variety. From the Gulf Coast to the Keys, there’s never a flat moment, and never a dull view. With 1,197 statue miles of coastline, 11,000 miles of inland waterways, dynamic cities, amazing food and friendly folks, Florida is a tourist destination without equal. Of course, with so much variety to choose from, how in the world do you choose just where to visit and what to do in the Sunshine State? Panhandle or Atlantic Coast? Miami or Tallahassee? Space Center or Disney World? The choices are almost endless!

Today, let’s focus on three great South Florida attractions, away from Miami, worthy of your next great Florida adventure.

Biscayne National Park

Biscayne National Park might reasonably be better named Biscayne National Treasure. This gorgeous jewel in our nation’s treasure box of stunning parks is a true wonder, full of fun and activity for all. Protecting the distinctive marine ecosystem of Biscayne Bay, 95% of the park is water; so, if ocean-based activity  or ecotourism is your thing, you simply can’t pass-up a visit to Biscayne National Park.

Scuba diving, snorkeling, and sport fishing opportunities abound. Please note, however, that fishing in Biscayne National Park is regulated by the State of Florida, so plan ahead if fishing’s your goal. You’ll need the appropriate fishing license before you can cast your rod. For boating, likewise, restrictions are in effect. Personal watercraft, such as jet skis and water scooters, are strictly prohibited on the waters of Biscayne National Park. Other types of private pleasure craft are permitted, however, so bring your sailboat and spend the day relaxing beneath the endlessly blue skies of Biscayne Bay.

John Pennekamp State Park

Located on Key Largo, the largest of the Florida Keys, the 70 nautical square mile John Pennekamp Coral Reef State Park has the distinction of being the “first undersea park in the United States” (www.pennekamppark.com). Named for Mr John Pennekamp, an environmentally-conscious newspaper editor, the park was first opened to the public in 1963. This gorgeous and innovative destination featuring some of the only coral reefs in the United States is the most visited of all the Florida State Parks. Scuba diving and snorkeling are just some of the more popular activities at Pennekamp State Park. For the slightly-less adventurous, the park features a large, saltwater aquarium alongside a theater where you can see videos centering on the biology and ecosystems preserved and protected by the park. Perhaps the most unique attraction to be found at Pennekamp State Park is a nine-foot tall underwater statue of Jesus called the Christ of the Abyss. Resting 25 feet below the ocean surface, the Christ of the Abyss is a popular destination for underwater tourists of all stripes and colors. Crafted in Italy, the statue has an identical twin which stands beneath the waters of the Mediterranean, just offshore from the historic city of Genoa. 

The Overseas Highway

The Overseas Highway, also signed as US Highway 1, is 125 miles in length and takes about 3 hours to drive nonstop. En route from Florida City to Key Largo and Key West, this gorgeous route takes in no less than 43 bridges and 59 of the Florida Keys. This is one highway that’s truly world-famous. People the world over are familiar with its stunning vistas of warm, bright blue waters and expansive never-ending skies. The Florida Keys are a variety-packed, year-round destination with something for everyone, no matter what the season. However, travelers should note that hurricane season typically stretches from June to November with the most powerful storms occurring in September. Peak season generally runs from December through April when demand for lodging is at a premium, so if you’re planning to go, be sure to book reservations well in advance. 

Florida is an incredible place for vacations long and short. Whatever your interests, whatever your budget, Florida has something for you. Sunny beaches and expansive skies, history, culture, and smiles, all this, and more, awaits you in the Sunshine State. Why not make Florida your next vacation destination? Come visit! We’ll be glad you did!

Remember, if you’re looking for an affordable Florida Insurance Quotes, check out this website. They’ve got the resources and information to help you find just the right auto insurance to suit your needs.

What types of Florida Homeowners Insurance should I purchase?

Here at Fraters Libertas, a weblog with a healthy dose of wit, we have decided to start a blog, especially for Florida homeowners insurance! We want to reach out and let all of our readers know how to successfully shop for and purchase a policy.

If you’ve ever purchased a home in the past, or are getting ready to purchase your first one, the odds are pretty good that you understand that Florida homeowners insurance from https://floridainsurancequotes.net/florida-homeowners-insurance/ is going to be a big piece of the puzzle. In fact, searching for a policy is harder than you think! You need to ensure that your home is completely covered against the many risks Florida brings.

You’ll not only want to carry the best homeowners insurance to fulfill your obligations as far as holding a mortgage is concerned. You’ll also want to make sure that your coverage options and protection plans are really dialed in. Pertaining to your specific needs and your specific budget is important. There’s no such thing as “one-size-fits-all” homeowners coverage, that’s for sure!

At the same time, finding out exactly what you need as far as homeowners insurance in Florida from https://floridainsurancequotes.net/florida-homeowners-insurance/ is concerned is nowhere near as easy a process as it could or should be. There are all different kinds of options. Along with all different kinds of industry lingo and all different kinds of offers you’ll have to navigate. Here are some tips and tricks to help you out!

Property coverage

Right out of the gate, you’ll want to make sure that you are taking advantage of fl home insurance quotes. These quotes will provide plenty of protection for the property that you are looking to cover in the first place. Property protection is going to be used to cover the physical structure of your home. Along with any outbuildings. As well as any of the personal property you have inside your home that may be destroyed in an accident.

Liability coverage

Liability coverage is the kind of protection that a Florida homeowners insurance quote can cover. As far as protecting people that may become injured or even killed while on your property. This protects your liability (your legal responsibility). It also helps to make sure that your financial future isn’t derailed. Due to an accident.

Umbrella coverage

Finally, we come to the different umbrella coverage options that are likely going to be available for you to take advantage of as you see fit. These are the kinds of ancillary coverage options that you will be able to pick and choose from. In addition, there are options that will increase your monthly premiums but also will dramatically improve the amount of coverage that you are able to enjoy.

They can come in either of the two forms that we highlighted above, but also might provide you with insurance for events that are not covered by more traditional home insurance plans and packages. According to https://floridainsurancequotes.net/florida-homeowners-insurance/, you’ll want to consider ancillary and umbrella coverage as your needs and budget dictate.