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AA Top Insurance

2520 Sailors Way
Naples, FL 34109

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Common Myths About Boat Insurance

Understanding insurance policies, especially if you have never dealt with them before, can be quite complicated. Many people turn to their family members and friends to get information and advice on different types of insurance, including boat insurance. Unfortunately, these people do not always have the correct information, which leads to misconceptions and myths. Here is a list of the most common myths about boat insurance. 

Myths About Boat Insurance

  • Your home insurance covers your boat as well. Even you keep your boat on your property, there is no guarantee that your home insurance policy will cover it. There are some homeowners policies that do provide coverage for boats and coverage, but this coverage is very limited. 
  • You are covered no matter where you are located. Most boat insurance policies cover only a certain area – in which you go boating most of the time. Therefore, if you decide to travel somewhere else, you should know that most likely you and your boat will not be covered. 
  • The cost of my boat insurance is not affected by my driving record. Unfortunately, people do not know about it, but your driving record has an impact on your boat insurance rate. For example, if you have had tickets in the past or were involved in car accidents, your boat insurance will be more expensive. 

AA Top Insurance LLC serving Naples, FL – We Help You Get Insurance You Need

Are you a lucky boat owner living in Naples, FL or another surrounding town, and are you thinking of getting boat insurance? AA Top Insurance LLC is the right company to contact. Our insurance agents are knowledgeable and specialize in all types of insurance, so they will be able to answer your questions and help you choose the policy you need. For more information, do not hesitate to visit our website or give us a call. 

Frequently Asked Questions About Florida Boat Insurance.

People move into the lovely state of Florida every day. And often, when they move here, they are eager to buy their first boat and start enjoying all the sparkling waterways, lakes, and oceans. (There are seems to be endless miles to explore.) AA Top Insurance LLC serves Naples, FL with quality insurance services for many aspects of life, including recreation. Here are some common boat insurance questions we receive.

Florida Boat Insurance FAQs:

  • Do I need insurance year-round? Most people use their boats in Florida year-round if they live here full time, so yes, the amount of coverage should not fluctuate with Florida’s seasons. If you store your boat while you travel or for a portion of the year, then marinas often have their own storage insurance requirements. Some people who keep their boats in a garage for several months of the year may choose to reduce their policy, though. 
  • What type of insurance is required in Florida? Boat insurance is not a legal requirement in Florida. However, your lender or marina may have requirements to get the loan or to store your vessel. This is to protect you and your lender or storage center from carrying all the costs of repair. 
  • Do I need a different coverage for the ocean compared to the rivers? No, the coverage does not change depending on the type of water. The coverage starts with basic liability and builds up depending on your specific needs and particular risk. 

Contact us at AA Top Insurance LLC if you are looking for boat insurance in or around Naples, FL. We serve the area with pride, and we are happy to answer any questions you have about insurance for veritable aspects of your life.

Partner Carriers


  • Assurant Flood
  • Citizens
  • Federated National Flood
  • First Comp
  • Florida Peninsula
  • Foremost Commercial
  • Bristol West
  • Mercury
  • MetLife
  • Nationwide
  • Olympus
  • Prepared Insurance
  • RLI
  • Safeco
  • Starr insurance
  • St johns Insurance
  • The Hartford
  • Travelers
  • United Property and Casualty
  • Universal Property and Casualty
  • Usassure