Boat Insurance

At Agency54 we understand your boat is one of your prized possessions. We know that insuring your boat is important but we also know it can be a little complicated.  As an independent agency we have set up a comprehensive and custom boat insurance program; we have aligned with the best boat/yacht insurance carriers in the world and we work with them to understand how to offer our clients the strongest boat insurance program at the best value.

Understanding Boat Insurance Coverage:

  • Who Needs Boat Insurance?

    The short answer is technically, nobody; But realistically most boat owners should have insurance. Marine insurance is regulated by the state of Florida. Most likely if you are docking at a private marina or municipal marina they will require proof of liability insurance.

  • New for Old.

    This means if a boat is damaged and has a covered loss, the insurance company pays for new replacement parts.

  • Boat Insurance Jargon and Details.

    Boat insurance can get complicated, but if you know what to look for in a policy, you can get the insurance that’s right for your boat. In boat insurance many times what is important is understanding what is not in your policy more so than what is included. Understanding the terminology in your boat/yacht policy is key to the understanding of your coverage. Maritime law in the United States is based on common law and not regulation therefore; the term seaworthiness becomes very important in understanding an insurance policy for your boat. The term seaworthy in a boat policy goes back to whether or not your vessel is seaworthy the first day of the insurance policy term.

  • Agreed Value-Hull & Equipment.

    This is the coverage under the physical damage portion of the policy. It is typically termed agreed value. This is the value that you and the underwriter agree on a value for the boat when you first insure it. If you have a total loss, you recover the agreed-upon value of the boat. Agreed value policies will often cover salvage, wreck removal costs, and fuel spills.

  • Actual Cash Value.

    This means when there is a loss the damage is covered up to the actual market value of the boat, minus depreciation and deductions for any damage. This type of coverage can save you 20% or more on your premium, but keep in mind it can expose you to more risk.

  • Protection and Indemnity Liability | (Liability only)

    This includes all of the required liability coverage- bodily injury, property damage, wreck removal, and coverage related to the US Longshore and Harbor Workers Act and Jones Act.

  • Depreciation.

    If the boat is damaged and has a covered loss the insurer will say yes, your engine was damaged, but it was already 15 years old, so we are only paying 40 percent of the claim.
    ** finding a boat or yacht policy without depreciation methods is difficult these days.

What Factors Impact the Cost of Boat/Yacht Insurance?

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Home Insurance

Thank you for visiting the Agency 54 Insurance website for your home insurance needs.  As an independent agent we have aligned our agency with multiple carriers to offer you the best value for your money when it comes to your homeowners insurance.

Agency 54 Insurance prides itself as an advocate for you, the homeowner.  We work to help you understand which coverage’s you need, who the appropriate carrier-partner for you is, whether you are paying a competitive rate; and what you can expect should you need to file a claim. 

For most, buying a home is one of the biggest investments you will make.  Finding the right homeowners insurance to protect that investment isn’t a luxury, it’s a necessity and it should not be taken lightly.

Homeowners insurance is a package policy; this means that it covers both damage to property and liability or legal responsibility for any injuries and property damage policy holders or their families cause two other people.

Understanding Homeowners Insurance Coverage:

Understanding the different coverage’s and which ones are right for you is not always easy.  You must take into consideration these three questions:

  • Is the company I am insured with strong enough financially to stay solvent in a major crisis? (Think multiple hurricanes in one season)

  • Should I need to file a claim, will I be able to contact my company easily, have the damage assessed quickly and be compensated to move forward as soon as possible?

  • Is the company I am using competitive with their premiums?

Like what you see? Request a quote now!

Homeowner Insurance Quote

Homeowners Insurance Package Coverage Basics:

    • Coverage for the Structure of Your Home

    This is the part of a policy that pays to repair or rebuild a home if it is damaged or destroyed by one of the covered causes in the policy. Most policies also allocate a small percentage of this coverage to protect structures that are not attached to our house such as a garage, shed, or gazebo.

    • Coverage for Personal Belongings

    This coverage is for furniture, clothes, equipment and other personal items if they are stolen or destroyed by a covered cause. Most companies will provide coverage for 50% to 70% of the amount of insurance on the structure. Expensive items such as jewelry, firearms, and antiques are covered but there are usually dollar limits if they are stolen. To insure these items to their full value, individuals can purchase a special personal property floater and ensure them for it’s appraised value. Trees, plants, and shrubs are also covered under standard homeowners insurance generally up to about $500 per item.

    • Liability Protection

    Liability covers against lawsuits for bodily injury or property damage that policyholders or family members cause to other people. It also pays for damage caused by pets. This portion of the policy pays for both the cost of defending the policyholder in court and any court awards, up to the limit of the policy. Coverage is not just in the home but extends to anywhere in the world.

    • Additional Living Expenses

    This pays the additional cost of living away from home if your house is uninhabitable due to damage from a covered cause. It covers hotel bills, restaurant meals, and other living expenses incurred while the home is being repaired or rebuilt. Coverage for additional living expense differs from company to company.

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Read more about homeowners insurance coverage!

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Auto Insurance

Car insurance is essential because it covers your expenses in the event of vehicle damage, injuries to other drivers, passengers or pedestrians. All motorist must be insured against their liability to other people.

Here are 6 basic reasons all drivers need auto insurance:

  • To Compensate You for an Accident Caused by Someone Else

    If you are the victim and in need of compensation for injuries that you sustained, as well as any damage to your vehicle, car insurance enables a person who may have no other financial resources, to compensate for your loss.

  • For you to Compensate Someone Else for an Accident you Caused

    Having car insurance enables you to get on with your life, even if the accident is your fault.

  • To get your Vehicle Fixed No Matter Whose Fault an Accident Is

    If you didn’t have car insurance and you were the causes of an accident, you would have to pay out of pocket for the repair. Car insurance allows you to get your car repaired or replaced fairly quickly.

  • Protect Your Assets

    If car insurance does nothing else, it will protect your assets. If you’re determined to be at fault in an accident the other party will pursue your insurance company, not you, to get compensation.

  • Protect Your Auto Lender

    An auto loan is secured by the value of your vehicle. If anything were to happen that would damage the car, it would diminish the value of it. That would weaken the car lenders collateral. Lenders are most interested in knowing that you have collision and comprehensive coverage as part of your car insurance policy.

  • Car Insurance is Required by State Law

    The reasons given above are why the state mandates car insurance coverage. By requiring that everyone has it, everyone is protected from the risks of owning and driving a car.

Read More About Auto Insurance Coverage Basics:

Auto Quick Quote
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1 Step 1
Quick Auto Quote
Your Name* (required)your full name
Best Phone 000-000-0000
phone

Please list the full names of all drivers

Driver 1
Driver 2
Driver 3

DOB of all drivers (ex: mmddyy)

Driver 1
Driver 2
Driver 3

Drivers License Number of all Drivers

Driver 1
Driver 2
Driver 3

Address of Drivers Where Licensed

D1 - Address Where Licensed
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D1 - Zip Code* (required)
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D2 - Address Where Licensed
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D2 - Zip Code* (required)
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D3 - Address Where Licensed
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D3 - Zip Code* (required)
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Year, Make, Model, VIN # of any vehicle insured on the policy

D1 - Year
D1 - Make
D1 - Model
D1 - VIN#
D2 - Year
D2 - Make
D2 - Model
D2 - VIN#
D3 - Year
D3 - Make
D3 - Model
D3 - VIN#

Tickets, Accidents, or Claims the past 5 years for each driver

Driver - 1
Driver - 2
Driver - 3

Current Auto Insurance carrier | # of years have you been with them | Policy Expiration Date

Current Insurer
# Of Years
Policy Expiration Date

Any Lienholder information on vehicles

(name of bank and loan number)

Lienholder
Acct #

Other Additional Coverage Available:

Personal Injury Protection
Bodily Injury / Property Damage
Uninsured / Underinsured Motorist
Medical Payments
Deductibles | Comprehensive & Collision
Comprehensive Coverage
Collision Coverage

Desired Coverage Limits:

Rental Reimbursement
Towing/ Roadside Assist
GAP / Loan Payoff
Non-Standard Equipment

To help expedite your insurance quote please provide copies of your documents

Most information is easily provided with copy or images of Drivers License(s), Current Policy Declarations Page, & Auto Registration card

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