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Living in Florida means boating season never ends. With the right insurance protection, your boating days can be as carefree as a day at the beach. The type of insurance coverage you get depends upon the boat.
If you have a small boat, such as a canoe or kayak, you may have coverage under your homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home’s insured value. That amount of coverage includes the small boat, motor and anything you may use to tow it. It does not typically include liability insurance.