As the weather warms up in Florida, there’s nothing better than getting out on the water. Whether you’re planning weekend fishing trips, family cruises, or simply soaking up the sun from the deck of your boat, spring marks the start of boating season for many in St. Augustine, Palatka, and beyond.
But before you launch, there’s one important thing to check: Is your boat insurance ready for the season, too?
At Bates Hewett & Floyd, we help boat owners across Northeast Florida feel confident and protected with coverage that fits their lifestyle. Here’s how to make sure your policy is working for you — not just sitting on paper.
1. Is My Current Coverage Still Right for My Needs?
Your life changes — and your coverage should, too.
If you’ve made any updates to your boat in the off-season (new motor, electronics, safety gear), or if you’ve shifted how often or where you use it, your policy may need an adjustment.
Tip: Even if your boat itself hasn’t changed, your liability risk or replacement value might have.
Talk with your agent about your current usage and any updates so you’re not underinsured when you need protection most.
2. Does My Policy Include Towing and On-Water Emergency Services?
Imagine being stranded on the water with a dead battery or engine trouble. Without towing coverage, a quick fix could cost hundreds — and create a headache you weren’t expecting.
Many standard policies don’t automatically include these services.
Here’s what to ask your agent about:
- On-water towing
- Fuel delivery
- Jump starts
- Soft ungrounding’s
Adding this protection is usually affordable and worth the peace of mind.
3. Am I Covered for Storm Damage and Accidents — On or Off the Water?
Florida is beautiful, but let’s be honest — the weather here can turn fast. From pop-up storms to full-blown hurricanes, boat owners need to know they’re covered in and out of the water.
Your policy should protect you from:
- Storm damage while docked or in storage
- Collision coverage while trailering your boat
- Vandalism or theft (especially important if your boat is stored outside)
Let us help you review your policy and make sure you’re not caught off guard.
4. What Happens If a Passenger Gets Hurt on My Boat?
Boating is meant to be fun — but accidents happen.
If a guest slips, gets hurt, or causes damage while onboard, you could be held responsible. That’s where liability coverage and medical payments come in.
Make sure your boat insurance:
- Covers bodily injury liability
- Provides medical payments for you and your passengers
- Reflects how many people you’re typically hosting
This is one area where having the right agent really matters. At BHF, we’ll walk you through the options so you’re protected — and your guests are, too.
5. Does My Policy Meet Florida’s Requirements (and Go Beyond)?
While Florida doesn’t mandate boat insurance, marinas, lenders, and responsible owners often do.
We recommend coverage that goes beyond the basics — especially in coastal communities like St. Augustine and Palatka, where exposure to risk is higher.
You may need:
- Proof of coverage for dock or marina access
- Specialized policies for jet skis or personal watercraft
- Additional coverage for trailers or boating equipment
Not sure if you’re covered? We’ll help you find out in minutes.
Make This Your Safest Boating Season Yet
At Bates Hewett & Floyd, we’ve been helping Florida families and boat owners protect what matters for over 9 years. Whether you’re new to boating or a seasoned captain, we’re here to make sure your coverage fits your lifestyle — not just your vessel.
Let’s review your policy together. No pressure. No jargon. Just local agents who care.
Call us or stop by our Palatka or St. Augustine office today.
You bring the sunscreen. We’ll bring the coverage.