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Recreational Insurance Information PageRecreational Insurance In recent years, boat insurance has become harder to find, especially in Southeast states, due to increased losses from sever hurricanes and storms. Hurricane Andrew, in 1992, caused approximately $15.5 billion in insured losses and damaged an estimated $500 million worth of pleasure boats, or the equivalent of one in every eight boats in South Florida. According to the Insurance Information Institute (I.I.I.), the size and age of the boat, as well as its horse power are the main factors determining coverage and premium. Other variables are the type and value of your craft and the water where it's used. A sail boat 25-feet or longer would probably cost approximately 25 to 30 percent less to insure than a power boat.
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