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Inshore

Bay boat insurance for Florida anglers

Bay boats are bigger and more valuable than skiffs and often carry a substantial outboard. They fish shallow water, so ask how grounding damage is treated.

What to check

  • Motor value and theft terms
  • Hull damage from grounding
  • Electronics such as a chartplotter and trolling motor
  • Trailer and towing coverage

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