Pontoons: Your Guide to Watercraft Insurance Coverage

Thinking about buying a pontoon boat to enjoy with family and friends? It’s easy to see why pontoons are one of the most popular vessels on Florida’s waters.

They’re stable, spacious, and perfect for everything from fishing to cruising - all while offering a smooth, comfortable ride. Pontoons are also versatile and typically more affordable than other types of boats, making them a favorite for families who want to make the most of life on the water.

If you already own a pontoon or are planning to purchase one soon, protecting your investment with the right watercraft insurance is essential. Here’s what to know about pontoon coverage and how to find the best policy for your needs.

Three Types of Pontoon Boat Insurance Coverage

There are three basic types of insurance coverage available for pontoon boats. Understanding each helps ensure you’re fully protected.

1. Liability Coverage

Liability insurance is one of the most important types of coverage - and in many states, it’s required by law.

It covers injuries or property damage you may cause while operating your pontoon. For example, if you accidentally collide with another boat or damage a dock, liability coverage pays for repairs or medical expenses (up to your policy limits).

Typical liability coverage includes:

• Bodily injury
• Property Damage
• Legal fees related to covered incidents

2. Collision Coverage

Collision covers the cost of repairs or replacement if your watercraft is damaged in a collision with another object, such as another boat or a dock. This will pay for the cost of repairs up to the limit of your coverage, minus your deductible.

3. Comprehensive Coverage

Collision coverage pays for repairs or replacement costs if your pontoon is damaged by impact with another object — such as another boat, a dock, or a submerged hazard.

This coverage applies up to your policy limit, minus your deductible. It ensures that accidental collisions don’t result in major out-of-pocket costs.

How are Insurance Rates Determined for Pontoon Boats? 

Insurance premiums for pontoon boats are calculated through a variety of factors. Some of the most common factors include (but are not limited to): 

• Age
• Driving record
• Claims history
• Location
• Boating experience
• Type of coverage
• Amount of coverage
• Whether your pontoon is stored or trailered 

Many insurers offer discounts to help you save money on premiums. At American Integrity, watercraft insurance discounts may include: 

• A multi-line discount if your primary residence is insured with us
• Florida Certified Safety Course
• United States Power Squadron Safety Course 
• United States Coast Guard Auxiliary Safety Course 
• United States Coast Guard Captain's License

The watercraft insurance policy that best fits your needs depends on numerous factors. Contact an experienced American Integrity agent today to determine the best pontoon boat insurance in Florida for you.

Tips for Finding the Best Pontoon Boat Insurance 

As a proud pontoon boat owner, it's important to select the right insurance coverage to protect your watercraft. But with so many insurance providers in the market, it can be overwhelming to find the best coverage for your needs. Here are some tips to assist you in shopping for a watercraft policy:

1. Compare carriers: Don't settle for the first insurance policy you come across. Take the time to research different insurance providers and compare their rates and coverage options. This can help you find a policy that fits your budget and provides the coverage you need.
2. Bundle your policies: American Integrity offers a discount when you bundle your primary home/condo and watercraft policies. This can help you save money on your overall insurance costs.
3. Consider your coverage needs: When choosing an insurance policy, make sure you're getting the coverage you need. This includes liability coverage in case of an accident, as well as coverage for damage to your boat and any personal property on board.
4. Look for discounts: Many insurance providers offer discounts for things like safety features on your boat, completion of a boater safety course, or having a high insurance score. Be sure to ask about any potential discounts that could help lower your insurance rates.

Protect Your Pontoon with American Integrity Insurance

A pontoon is more than a boat - it’s an investment in family fun and Florida living. Protect it with comprehensive watercraft coverage from American Integrity Insurance.

Our watercraft policies cover vessels up to 30 feet in length, including pontoons, center consoles, cruisers, and bass boats. We also insure personal watercraft such as Jet Skis, Waverunners, and Sea-Doos.

Contact an agent today to find the best pontoon boat insurance in Florida for your lifestyle and budget.

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.