Replacement Cost Personal Effects

Replacement Cost Personal Effects coverage pays for loss of or damage to personal effects while on board an insured boat or while being carried on or off an insured boat. This coverage is available for all boats and personal watercraft.

Coverage is available up to $5,000 with a $1,000 limit for an individual item. A $250 deductible applies to each loss of a personal effect. Personal effects do not include permanent equipment or portable boating equipment. Personal effects include, but are not limited to:

    • Binoculars
    • Cell phones
    • Coolers
    • CD players
    • Scuba equipment
    • Cameras
    • Portable radios
    • Clothing


Your best choice for insurance

The first right decision in protecting all of your assets is finding an insurance agent who understands YOU and your family. We pride ourselves in taking the time to discuss your needs to ensure that you don’t find a gap in coverage when you need it most…something that can’t always be done in 15 minutes and is too important to rush. Make sure you and your family are fully protected and call us at 407-977-5700 or email any time at

Learn more about your watercraft insurance:
Related Resources: