First Beaches Insurance

Nobody plans a boat day expecting to call their insurance agent on Monday.

But every summer, we end up having some version of the same conversation.

A friend was driving.
Someone got hurt.
Something got damaged.

And suddenly everyone is trying to figure out which policy applies and who's responsible for what.

That's why we spend so much time talking about boats, golf carts, jet skis, and ATVs this month.

Not because we want to ruin the fun.

Quite the opposite.

We just know that understanding the coverage side of things before the weekend starts is usually a lot easier than figuring it out afterward.

Florida toys.

Real risks.

Looks like the Beaches are keeping everyone busy this weekend.

🏄 Brooks Surf Event
🛍️ The Makers Market
🚲 Bikes & Rides

Whether you're catching waves, supporting local vendors, or getting out for a ride, there's no shortage of reasons to enjoy living around the Beaches this time of year.

We'll see you out there.

And as always — have fun, stay safe, and leave a little extra room in the schedule. Around here, "we're only stopping by for a few minutes" rarely works out as planned.

One of the most common boating insurance conversations we have this time of year?

"My homeowners insurance covers my boat, right?"

Sometimes.

But usually not in the way people think.

Depending on the type of boat, the value, the horsepower, and what actually happens, homeowners insurance may provide very limited coverage (or none at all).

And that's where people get caught off guard.

Because the assumption is:
"I have insurance."

The better question is:
**Which insurance is actually doing the work?**

With boating season picking up around the beaches, it's a good time to know the answer before you need it.

(Especially before your friend who always says "we'll be fine" takes the wheel.)

📸 904 Happy Hour