Boat Insurance

Southern Homes Insurance puts you on the water actually enjoying your boat. That’s why we make it as easy as possible to get insurance and be protected almost anywhere you boat. Make sure your boat stays in the water by obtaining the proper boat insurance coverage today.  Important details include:

  • Collision Insurance
  • Liability Insurance
  • Medical Coverage
  • Towing and Assistance Costs

Your leisure time on the water is stress free and enjoyable.  We keep it that way.   Call us before heading out on the water so we can make sure you’re protected.

We provide coverage for boats, pontoons, jetskis, and much more.  Our goal is to help you determine your needs and get you the policy that fits those.  We shop with a variety of carriers to offer the best price possible too.  The sky is the limit, or should I say the water is the limit.

Why do you need boat and watercraft Insurance?

Boating accidents cost $52 million dollars worth of property damage by the US Coast Guard. Attributing factors are:

1. Human Error
2. Weather and Environment
3. Equipment and Machinery Failure

Driving a boat is accompanied with risks. The US Department of Transportation reports:

Almost seventy percent of all reported accidents include factors under the control of the boat operator.

Primary causes of accidents are the operator’s lack of attention, recklessness, lack of experience, speed, and improper lookout.

Eighty-four percent of all boating fatalities happened on a boat where the operator had not completed a boating safety education course.

boat insurance