Boat and Motorcycle Insurance

Florida is a great place to enjoy outdoor recreational vehicles such as boats and motorcycles.  Many Florida residents enjoy these forms of transportation and it is important to protect yourself and others.  At the Kite Insurance Agency, we are dedicated to providing the best coverage at the lowest rates throughout the Florida Panhandle.

In the state of Florida a motorcycle is defined as a two-wheeled vehicle with an engine displacement of more than 50 cc.  Motorcycles must be registered under the financial responsibility law in the state of Florida.  

The state’s minimum liability coverage requirements for private passenger vehicles as outlined in the Financial Responsibility Law as guidelines are $10,000 for one person in bodily injury liability, $20,000 for two or more people in bodily injury liability, $10,000 per crash in property damage liability, and $30,000 in combined single limits.

We are committed to making sure that you have the right amount of coverage for your motorcycle to ensure that you and other users of the road are safe.  Please contact the Kite Insurance Agency for a quick and easy motorcycle quote.

For those Florida residents who own a boat, having the proper insurance policy is crucial.  Due the elevated risk of flooding, storm damage, and year-round boating access, Florida boat owner’s need to have the right amount of insurance.

There are many aspects of boat insurance that boat owner’s need to consider.

Some insurance providers will require owners to be a full time resident of Florida, and not have any other property outside the state. Policy providers also want to make sure owners are with their boat at all times and are not absentee owners, because this represents an added risk for theft.

In case of a hurricane, carriers want to make sure owners are able to get their boats to safety.  Also some carriers will not insure catamarans because if they capsize, they cannot be easily righted, like a sailboat. Companies may limit the length and value of the boat they are willing to insure to protect against shock losses.

These are just some factors to consider when acquiring insurance for your boat in the Florida Panhandle.

The Kite Insurance Agency specializes in boat insurance in Pensacola, Pace, Milton, and the entire Florida Panhandle.  Please contact us for a quick and easy quote and protect yourself and others who enjoy all that the Florida waters have to offer!


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