Sportfishing boat insurance FAQ

Short answers to common sportfishing boat insurance questions in Florida.

Quick answers

Is a bigger boat harder to insure? Larger or faster boats are underwritten more closely.
Can I insure a boat I plan to refit? Tell your agent about upgrades so values stay accurate.
Do I need a survey? For older or higher-value boats, often.
Is spearfishing or diving from the boat covered? Mention it; some activities carry conditions.

Coverage depends on the policy, the insurance company and underwriting approval.